Call reports 2005
ROCKHOLD BANK — 2005
What ROCKHOLD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,413,000 | 33,865,000 | 33,183,000 | 32,901,000 |
| Total loans | 29,328,000 | 28,821,000 | 27,601,000 | 27,322,000 |
| Allowance for loan losses | 480,000 | 546,000 | 538,000 | 507,000 |
| Securities available for sale | 2,199,000 | 2,227,000 | 2,510,000 | 2,369,000 |
| Securities held to maturity | 209,000 | 129,000 | 128,000 | 83,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,367,000 | 23,010,000 | 22,389,000 | 22,199,000 |
| Interest-bearing deposits | 18,546,000 | 17,949,000 | 17,331,000 | 17,118,000 |
| Noninterest-bearing deposits | 4,821,000 | 5,061,000 | 5,058,000 | 5,081,000 |
| Equity capital | 3,397,000 | 3,386,000 | 3,406,000 | 3,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 572,000 | 1,148,000 | 1,725,000 | 2,303,000 |
| Interest expense | 181,000 | 371,000 | 571,000 | 779,000 |
| Net interest income | 391,000 | 777,000 | 1,154,000 | 1,524,000 |
| Noninterest income | 44,000 | 99,000 | 160,000 | 216,000 |
| Noninterest expense | 369,000 | 737,000 | 1,137,000 | 1,514,000 |
| Provision for loan losses | 0 | 77,000 | 77,000 | 77,000 |
| Pretax income | 66,000 | 62,000 | 100,000 | 149,000 |
| Income tax | 28,000 | 22,000 | 31,000 | 49,000 |
| Net income | 38,000 | 40,000 | 69,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,415,000 | 3,386,000 | 3,416,000 | 3,381,000 |
| Total capital | 3,709,000 | 3,682,000 | 3,707,000 | 3,667,000 |
| Risk-weighted assets | 23,302,000 | 23,395,000 | 23,062,000 | 22,666,000 |
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