Call reports 2018
ROCKFORD BANK AND TRUST COMPANY — 2018
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 468,194,000 | 484,211,000 | 484,140,000 | 509,859,000 |
| Total loans | 378,860,000 | 386,649,000 | 392,262,000 | 403,915,000 |
| Allowance for loan losses | 5,735,000 | 5,797,000 | 10,642,000 | 6,935,000 |
| Securities available for sale | 19,649,000 | 18,970,000 | 18,336,000 | 21,220,000 |
| Securities held to maturity | 40,830,000 | 46,741,000 | 46,069,000 | 45,300,000 |
| Trading assets | 577,000 | 691,000 | 799,000 | 429,000 |
| Total deposits | 379,553,000 | 376,245,000 | 401,565,000 | 431,113,000 |
| Interest-bearing deposits | 301,788,000 | 298,114,000 | 332,342,000 | 354,636,000 |
| Noninterest-bearing deposits | 77,765,000 | 78,131,000 | 69,223,000 | 76,477,000 |
| Equity capital | 40,169,000 | 41,106,000 | 38,704,000 | 44,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,513,000 | 9,170,000 | 14,059,000 | 19,135,000 |
| Interest expense | 1,048,000 | 2,303,000 | 3,777,000 | 5,494,000 |
| Net interest income | 3,465,000 | 6,867,000 | 10,282,000 | 13,641,000 |
| Noninterest income | 742,000 | 1,589,000 | 2,359,000 | 2,838,000 |
| Noninterest expense | 3,150,000 | 6,139,000 | 9,101,000 | 11,513,000 |
| Provision for loan losses | 242,000 | 440,000 | 5,289,000 | 4,619,000 |
| Pretax income | 815,000 | 1,877,000 | -1,749,000 | 347,000 |
| Income tax | 125,000 | 310,000 | -826,000 | -360,000 |
| Net income | 690,000 | 1,567,000 | -923,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,305,000 | 42,181,000 | 39,692,000 | 44,821,000 |
| Total capital | 46,567,000 | 47,697,000 | 45,314,000 | 50,648,000 |
| Risk-weighted assets | 420,554,000 | 441,043,000 | 444,793,000 | 465,105,000 |