Call reports 2019
ROCKFORD BANK AND TRUST COMPANY — 2019
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 513,134,000 | 523,362,000 | 519,461,000 |
| Total loans | 404,576,000 | 423,243,000 | 418,932,000 |
| Allowance for loan losses | 7,050,000 | 6,061,000 | 6,490,000 |
| Securities available for sale | 24,968,000 | 24,221,000 | 22,902,000 |
| Securities held to maturity | 44,542,000 | 43,824,000 | 43,107,000 |
| Trading assets | 576,000 | 1,034,000 | 1,395,000 |
| Total deposits | 433,898,000 | 453,137,000 | 451,514,000 |
| Interest-bearing deposits | 364,112,000 | 385,775,000 | 381,185,000 |
| Noninterest-bearing deposits | 69,786,000 | 67,362,000 | 70,329,000 |
| Equity capital | 44,784,000 | 45,842,000 | 46,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 5,217,000 | 10,454,000 | 15,774,000 |
| Interest expense | 1,789,000 | 3,653,000 | 5,541,000 |
| Net interest income | 3,428,000 | 6,801,000 | 10,233,000 |
| Noninterest income | 567,000 | 1,382,000 | 2,239,000 |
| Noninterest expense | 3,321,000 | 6,513,000 | 10,107,000 |
| Provision for loan losses | 39,000 | 71,000 | 559,000 |
| Pretax income | 635,000 | 1,599,000 | 1,806,000 |
| Income tax | 48,000 | 188,000 | 129,000 |
| Net income | 587,000 | 1,411,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 45,408,000 | 46,232,000 | 46,498,000 |
| Total capital | 51,286,000 | 52,293,000 | 52,625,000 |
| Risk-weighted assets | 469,131,000 | 489,538,000 | 489,836,000 |