Call reports 2014
ROCK BRANCH COMMUNITY BANK, INC. — 2014
What ROCK BRANCH COMMUNITY BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,761,000 | 71,704,000 | 70,363,000 | 69,963,000 |
| Total loans | 53,849,000 | 53,245,000 | 52,706,000 | 53,423,000 |
| Allowance for loan losses | 662,000 | 708,000 | 676,000 | 635,000 |
| Securities available for sale | 11,352,000 | 11,265,000 | 11,005,000 | 10,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,970,000 | 63,714,000 | 62,539,000 | 62,036,000 |
| Interest-bearing deposits | 55,622,000 | 55,628,000 | 53,347,000 | 53,403,000 |
| Noninterest-bearing deposits | 8,348,000 | 8,086,000 | 9,192,000 | 8,633,000 |
| Equity capital | 7,558,000 | 7,686,000 | 7,732,000 | 7,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 795,000 | 1,585,000 | 2,401,000 | 3,180,000 |
| Interest expense | 106,000 | 212,000 | 319,000 | 422,000 |
| Net interest income | 689,000 | 1,373,000 | 2,082,000 | 2,758,000 |
| Noninterest income | 71,000 | 147,000 | 202,000 | 288,000 |
| Noninterest expense | 556,000 | 1,166,000 | 1,831,000 | 2,514,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 159,000 | 264,000 | 318,000 | 352,000 |
| Income tax | 47,000 | 76,000 | 94,000 | 145,000 |
| Net income | 112,000 | 188,000 | 224,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,466,000 | 7,541,000 | 7,576,000 | 7,519,000 |
| Total capital | 8,010,000 | 8,065,000 | 8,108,000 | 8,062,000 |
| Risk-weighted assets | 43,412,000 | 41,738,000 | 42,394,000 | 43,353,000 |