Call reports 2003
ROCK BRANCH COMMUNITY BANK, INC. — 2003
What ROCK BRANCH COMMUNITY BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 40,607,000 | 42,832,000 | 43,026,000 | 42,198,000 |
| Total loans | 24,126,000 | 24,635,000 | 24,250,000 | 24,357,000 |
| Allowance for loan losses | 220,000 | 196,000 | 212,000 | 200,000 |
| Securities available for sale | 9,755,000 | 9,868,000 | 14,156,000 | 13,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,847,000 | 38,919,000 | 39,227,000 | 38,322,000 |
| Interest-bearing deposits | 31,733,000 | 33,141,000 | 33,820,000 | 32,338,000 |
| Noninterest-bearing deposits | 5,114,000 | 5,778,000 | 5,407,000 | 5,984,000 |
| Equity capital | 3,525,000 | 3,660,000 | 3,586,000 | 3,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,256,000 | 1,852,000 | 2,469,000 |
| Interest expense | 225,000 | 423,000 | 635,000 | 806,000 |
| Net interest income | 402,000 | 833,000 | 1,217,000 | 1,663,000 |
| Noninterest income | 54,000 | 112,000 | 142,000 | 211,000 |
| Noninterest expense | 315,000 | 660,000 | 960,000 | 1,329,000 |
| Provision for loan losses | 5,000 | 15,000 | 30,000 | 30,000 |
| Pretax income | 136,000 | 270,000 | 369,000 | 515,000 |
| Income tax | 53,000 | 105,000 | 144,000 | 181,000 |
| Net income | 83,000 | 165,000 | 225,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,401,000 | 3,459,000 | 3,520,000 | 3,606,000 |
| Total capital | 3,623,000 | 3,655,000 | 3,732,000 | 3,806,000 |
| Risk-weighted assets | 22,919,000 | 24,312,000 | 24,256,000 | 23,780,000 |