Call reports 2002
ROCKWOOD BANK — 2002
What ROCKWOOD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 272,016,000 | 265,452,000 | 265,363,000 | 262,742,000 |
| Total loans | 188,887,000 | 186,447,000 | 198,779,000 | 213,622,000 |
| Allowance for loan losses | 3,272,000 | 3,258,000 | 3,144,000 | 3,129,000 |
| Securities available for sale | 51,864,000 | 51,330,000 | 38,294,000 | 29,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,870,000 | 209,674,000 | 209,425,000 | 208,992,000 |
| Interest-bearing deposits | 191,855,000 | 180,733,000 | 178,904,000 | 176,407,000 |
| Noninterest-bearing deposits | 25,015,000 | 28,941,000 | 30,521,000 | 32,585,000 |
| Equity capital | 22,610,000 | 23,374,000 | 23,659,000 | 24,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,228,000 | 8,313,000 | 12,343,000 | 16,392,000 |
| Interest expense | 2,570,000 | 4,989,000 | 7,238,000 | 9,393,000 |
| Net interest income | 1,658,000 | 3,324,000 | 5,105,000 | 6,999,000 |
| Noninterest income | 926,000 | 1,688,000 | 2,885,000 | 4,364,000 |
| Noninterest expense | 1,724,000 | 3,278,000 | 5,159,000 | 7,104,000 |
| Provision for loan losses | 70,000 | 70,000 | 70,000 | 50,000 |
| Pretax income | 790,000 | 1,664,000 | 2,761,000 | 4,209,000 |
| Income tax | 265,000 | 575,000 | 962,000 | 1,482,000 |
| Net income | 525,000 | 1,089,000 | 1,799,000 | 2,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,524,000 | 23,103,000 | 23,393,000 | 24,321,000 |
| Total capital | 24,989,000 | 25,552,000 | 25,867,000 | 26,873,000 |
| Risk-weighted assets | 196,408,000 | 195,113,000 | 197,266,000 | 203,580,000 |