Call reports 2015
ROCK BRANCH COMMUNITY BANK, INC. — 2015
What ROCK BRANCH COMMUNITY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 73,075,000 | 72,945,000 | 73,052,000 | 75,021,000 |
| Total loans | 54,343,000 | 54,812,000 | 56,742,000 | 56,600,000 |
| Allowance for loan losses | 675,000 | 578,000 | 628,000 | 672,000 |
| Securities available for sale | 10,095,000 | 9,555,000 | 9,351,000 | 8,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,203,000 | 65,012,000 | 64,741,000 | 66,827,000 |
| Interest-bearing deposits | 54,633,000 | 54,897,000 | 53,948,000 | 55,230,000 |
| Noninterest-bearing deposits | 10,570,000 | 10,115,000 | 10,793,000 | 11,597,000 |
| Equity capital | 7,699,000 | 7,664,000 | 7,709,000 | 7,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 794,000 | 1,603,000 | 2,421,000 | 3,276,000 |
| Interest expense | 104,000 | 215,000 | 323,000 | 431,000 |
| Net interest income | 690,000 | 1,388,000 | 2,098,000 | 2,845,000 |
| Noninterest income | 74,000 | 131,000 | 170,000 | 242,000 |
| Noninterest expense | 635,000 | 1,277,000 | 1,925,000 | 2,554,000 |
| Provision for loan losses | 53,000 | 105,000 | 150,000 | 180,000 |
| Pretax income | 76,000 | 137,000 | 193,000 | 353,000 |
| Income tax | 35,000 | 70,000 | 105,000 | 52,000 |
| Net income | 41,000 | 67,000 | 88,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,519,000 | 7,544,000 | 7,566,000 | 7,748,000 |
| Total capital | 8,059,000 | 8,089,000 | 8,148,000 | 8,337,000 |
| Risk-weighted assets | 43,143,000 | 43,610,000 | 46,549,000 | 47,056,000 |