Call reports 2008
ROCK BRANCH COMMUNITY BANK, INC. — 2008
What ROCK BRANCH COMMUNITY BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,770,000 | 55,651,000 | 55,281,000 | 55,594,000 |
| Total loans | 37,283,000 | 38,371,000 | 39,488,000 | 40,307,000 |
| Allowance for loan losses | 208,000 | 238,000 | 266,000 | 305,000 |
| Securities available for sale | 12,430,000 | 11,903,000 | 10,094,000 | 9,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,482,000 | 50,118,000 | 50,322,000 | 50,504,000 |
| Interest-bearing deposits | 43,711,000 | 42,995,000 | 43,117,000 | 42,214,000 |
| Noninterest-bearing deposits | 6,771,000 | 7,123,000 | 7,205,000 | 8,290,000 |
| Equity capital | 4,975,000 | 5,280,000 | 4,078,000 | 4,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 903,000 | 1,761,000 | 2,707,000 | 3,683,000 |
| Interest expense | 413,000 | 735,000 | 1,047,000 | 1,347,000 |
| Net interest income | 490,000 | 1,026,000 | 1,660,000 | 2,336,000 |
| Noninterest income | 90,000 | 154,000 | 242,000 | 316,000 |
| Noninterest expense | 459,000 | 871,000 | 1,364,000 | 1,823,000 |
| Provision for loan losses | 32,000 | 63,000 | 91,000 | 133,000 |
| Pretax income | 110,000 | 267,000 | -1,213,000 | -1,035,000 |
| Income tax | 32,000 | 78,000 | 0 | -480,000 |
| Net income | 78,000 | 189,000 | -1,213,000 | -555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,895,000 | 5,385,000 | 4,331,000 | 4,979,000 |
| Total capital | 5,103,000 | 5,623,000 | 4,597,000 | 5,284,000 |
| Risk-weighted assets | 34,815,000 | 35,107,000 | 35,656,000 | 36,346,000 |