Call reports 2004
ROCK BRANCH COMMUNITY BANK, INC. — 2004
What ROCK BRANCH COMMUNITY BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,152,000 | 42,382,000 | 43,840,000 | 42,640,000 |
| Total loans | 24,585,000 | 25,560,000 | 27,209,000 | 28,384,000 |
| Allowance for loan losses | 199,000 | 195,000 | 185,000 | 206,000 |
| Securities available for sale | 12,903,000 | 12,494,000 | 12,265,000 | 10,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,058,000 | 38,446,000 | 38,106,000 | 36,874,000 |
| Interest-bearing deposits | 31,473,000 | 32,566,000 | 32,667,000 | 31,319,000 |
| Noninterest-bearing deposits | 5,585,000 | 5,880,000 | 5,439,000 | 5,555,000 |
| Equity capital | 3,838,000 | 3,771,000 | 4,047,000 | 4,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,196,000 | 1,832,000 | 2,474,000 |
| Interest expense | 141,000 | 290,000 | 459,000 | 634,000 |
| Net interest income | 458,000 | 906,000 | 1,373,000 | 1,840,000 |
| Noninterest income | 48,000 | 102,000 | 151,000 | 204,000 |
| Noninterest expense | 353,000 | 692,000 | 1,045,000 | 1,427,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 44,000 |
| Pretax income | 153,000 | 316,000 | 493,000 | 599,000 |
| Income tax | 57,000 | 123,000 | 189,000 | 197,000 |
| Net income | 96,000 | 193,000 | 304,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,685,000 | 3,845,000 | 3,990,000 | 4,091,000 |
| Total capital | 3,884,000 | 4,040,000 | 4,175,000 | 4,297,000 |
| Risk-weighted assets | 24,025,000 | 24,919,000 | 26,478,000 | 27,532,000 |
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