Call reports 2004
ROCKWOOD BANK — 2004
What ROCKWOOD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 279,718,000 | 297,246,000 | 324,676,000 | 337,630,000 |
| Total loans | 240,282,000 | 270,222,000 | 275,982,000 | 295,711,000 |
| Allowance for loan losses | 3,567,000 | 3,635,000 | 3,721,000 | 3,886,000 |
| Securities available for sale | 5,434,000 | 4,708,000 | 2,914,000 | 4,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,091,000 | 243,802,000 | 270,888,000 | 284,598,000 |
| Interest-bearing deposits | 192,156,000 | 204,280,000 | 237,035,000 | 248,048,000 |
| Noninterest-bearing deposits | 34,935,000 | 39,522,000 | 33,853,000 | 36,550,000 |
| Equity capital | 27,312,000 | 28,138,000 | 28,635,000 | 29,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,782,000 | 7,812,000 | 12,105,000 | 16,791,000 |
| Interest expense | 1,680,000 | 3,462,000 | 5,381,000 | 7,482,000 |
| Net interest income | 2,102,000 | 4,350,000 | 6,724,000 | 9,309,000 |
| Noninterest income | 791,000 | 1,917,000 | 2,591,000 | 3,307,000 |
| Noninterest expense | 1,668,000 | 3,595,000 | 5,237,000 | 6,936,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 400,000 |
| Pretax income | 1,165,000 | 2,552,000 | 3,868,000 | 5,280,000 |
| Income tax | 430,000 | 955,000 | 1,445,000 | 1,845,000 |
| Net income | 735,000 | 1,597,000 | 2,423,000 | 3,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,277,000 | 28,139,000 | 28,626,000 | 29,647,000 |
| Total capital | 30,198,000 | 31,448,000 | 32,145,000 | 33,299,000 |
| Risk-weighted assets | 233,065,000 | 264,420,000 | 281,292,000 | 291,903,000 |