Call reports 2003
ROCKWOOD BANK — 2003
What ROCKWOOD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 263,200,000 | 270,245,000 | 257,383,000 | 261,401,000 |
| Total loans | 209,322,000 | 230,165,000 | 216,178,000 | 228,895,000 |
| Allowance for loan losses | 3,240,000 | 3,295,000 | 3,383,000 | 3,420,000 |
| Securities available for sale | 10,340,000 | 8,771,000 | 6,979,000 | 7,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,781,000 | 215,354,000 | 201,828,000 | 209,325,000 |
| Interest-bearing deposits | 175,774,000 | 175,848,000 | 169,593,000 | 174,475,000 |
| Noninterest-bearing deposits | 33,007,000 | 39,506,000 | 32,235,000 | 34,850,000 |
| Equity capital | 24,828,000 | 25,777,000 | 26,439,000 | 26,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,846,000 | 7,740,000 | 11,617,000 | 15,315,000 |
| Interest expense | 1,964,000 | 3,873,000 | 5,683,000 | 7,369,000 |
| Net interest income | 1,882,000 | 3,867,000 | 5,934,000 | 7,946,000 |
| Noninterest income | 1,295,000 | 2,746,000 | 4,407,000 | 5,208,000 |
| Noninterest expense | 1,912,000 | 3,867,000 | 6,001,000 | 7,667,000 |
| Provision for loan losses | 0 | 40,000 | 150,000 | 535,000 |
| Pretax income | 1,265,000 | 2,706,000 | 4,190,000 | 4,952,000 |
| Income tax | 440,000 | 955,000 | 1,475,000 | 1,734,000 |
| Net income | 825,000 | 1,751,000 | 2,715,000 | 3,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,698,000 | 25,669,000 | 26,371,000 | 26,877,000 |
| Total capital | 27,316,000 | 28,442,000 | 29,066,000 | 29,737,000 |
| Risk-weighted assets | 208,817,000 | 221,308,000 | 214,927,000 | 228,207,000 |