Call reports 2006
ROCK BRANCH COMMUNITY BANK, INC. — 2006
What ROCK BRANCH COMMUNITY BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 49,165,000 | 49,943,000 | 51,190,000 | 51,648,000 |
| Total loans | 35,066,000 | 36,346,000 | 37,116,000 | 37,711,000 |
| Allowance for loan losses | 211,000 | 207,000 | 199,000 | 157,000 |
| Securities available for sale | 9,956,000 | 9,700,000 | 9,655,000 | 8,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,001,000 | 43,268,000 | 44,508,000 | 46,626,000 |
| Interest-bearing deposits | 36,766,000 | 37,397,000 | 38,120,000 | 40,556,000 |
| Noninterest-bearing deposits | 6,235,000 | 5,871,000 | 6,388,000 | 6,070,000 |
| Equity capital | 4,510,000 | 4,506,000 | 4,756,000 | 4,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,678,000 | 2,602,000 | 3,537,000 |
| Interest expense | 306,000 | 646,000 | 1,055,000 | 1,495,000 |
| Net interest income | 504,000 | 1,032,000 | 1,547,000 | 2,042,000 |
| Noninterest income | 58,000 | 180,000 | 261,000 | 301,000 |
| Noninterest expense | 416,000 | 899,000 | 1,340,000 | 1,739,000 |
| Provision for loan losses | 18,000 | 26,000 | 38,000 | 75,000 |
| Pretax income | 118,000 | 277,000 | 420,000 | 519,000 |
| Income tax | 39,000 | 90,000 | 136,000 | 137,000 |
| Net income | 79,000 | 187,000 | 284,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,612,000 | 4,714,000 | 4,812,000 | 4,890,000 |
| Total capital | 4,823,000 | 4,921,000 | 5,011,000 | 5,047,000 |
| Risk-weighted assets | 32,315,000 | 32,637,000 | 33,306,000 | 33,388,000 |