Call reports 2009
ROCK BRANCH COMMUNITY BANK, INC. — 2009
What ROCK BRANCH COMMUNITY BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 59,053,000 | 64,592,000 | 63,811,000 | 64,640,000 |
| Total loans | 41,504,000 | 44,781,000 | 47,837,000 | 48,627,000 |
| Allowance for loan losses | 334,000 | 381,000 | 382,000 | 422,000 |
| Securities available for sale | 9,747,000 | 11,837,000 | 11,450,000 | 10,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,850,000 | 59,081,000 | 57,892,000 | 57,237,000 |
| Interest-bearing deposits | 45,992,000 | 50,546,000 | 51,042,000 | 50,303,000 |
| Noninterest-bearing deposits | 7,858,000 | 8,535,000 | 6,850,000 | 6,934,000 |
| Equity capital | 4,961,000 | 5,139,000 | 5,500,000 | 5,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 829,000 | 1,748,000 | 2,677,000 | 3,618,000 |
| Interest expense | 285,000 | 574,000 | 977,000 | 1,132,000 |
| Net interest income | 544,000 | 1,174,000 | 1,700,000 | 2,486,000 |
| Noninterest income | 65,000 | 137,000 | 208,000 | 281,000 |
| Noninterest expense | 434,000 | 895,000 | 1,307,000 | 1,911,000 |
| Provision for loan losses | 33,000 | 81,000 | 108,000 | 153,000 |
| Pretax income | 142,000 | 335,000 | 493,000 | 703,000 |
| Income tax | 29,000 | 70,000 | 110,000 | 184,000 |
| Net income | 113,000 | 265,000 | 383,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,071,000 | 5,224,000 | 5,341,000 | 5,497,000 |
| Total capital | 5,405,000 | 5,605,000 | 5,723,000 | 5,919,000 |
| Risk-weighted assets | 37,438,000 | 39,712,000 | 41,038,000 | 41,519,000 |