Call reports 2005
ROCK BRANCH COMMUNITY BANK, INC. — 2005
What ROCK BRANCH COMMUNITY BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 44,751,000 | 45,117,000 | 47,108,000 | 48,521,000 |
| Total loans | 29,645,000 | 31,197,000 | 33,640,000 | 34,505,000 |
| Allowance for loan losses | 195,000 | 211,000 | 212,000 | 204,000 |
| Securities available for sale | 9,953,000 | 9,842,000 | 9,192,000 | 9,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,013,000 | 39,209,000 | 41,104,000 | 42,423,000 |
| Interest-bearing deposits | 33,293,000 | 33,969,000 | 34,146,000 | 34,652,000 |
| Noninterest-bearing deposits | 5,720,000 | 5,240,000 | 6,958,000 | 7,771,000 |
| Equity capital | 4,130,000 | 4,319,000 | 4,401,000 | 4,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,379,000 | 2,129,000 | 2,918,000 |
| Interest expense | 215,000 | 466,000 | 737,000 | 1,030,000 |
| Net interest income | 442,000 | 913,000 | 1,392,000 | 1,888,000 |
| Noninterest income | 66,000 | 134,000 | 196,000 | 257,000 |
| Noninterest expense | 382,000 | 771,000 | 1,162,000 | 1,576,000 |
| Provision for loan losses | 6,000 | 17,000 | 38,000 | 58,000 |
| Pretax income | 120,000 | 259,000 | 388,000 | 511,000 |
| Income tax | 42,000 | 91,000 | 135,000 | 149,000 |
| Net income | 78,000 | 168,000 | 253,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,235,000 | 4,329,000 | 4,395,000 | 4,534,000 |
| Total capital | 4,430,000 | 4,540,000 | 4,607,000 | 4,738,000 |
| Risk-weighted assets | 28,205,000 | 29,079,000 | 29,970,000 | 32,198,000 |