Call reports 2005
ROCKWOOD BANK — 2005
What ROCKWOOD 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 | 353,925,000 | 351,917,000 | 341,698,000 | 343,110,000 |
| Total loans | 302,593,000 | 298,853,000 | 296,367,000 | 301,004,000 |
| Allowance for loan losses | 4,024,000 | 4,164,000 | 4,363,000 | 4,787,000 |
| Securities available for sale | 7,993,000 | 8,515,000 | 11,484,000 | 11,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,601,000 | 296,869,000 | 286,018,000 | 286,470,000 |
| Interest-bearing deposits | 263,657,000 | 254,896,000 | 248,351,000 | 246,307,000 |
| Noninterest-bearing deposits | 35,944,000 | 41,973,000 | 37,667,000 | 40,163,000 |
| Equity capital | 30,127,000 | 31,283,000 | 31,879,000 | 32,914,000 |
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 | 4,927,000 | 10,213,000 | 15,588,000 | 21,238,000 |
| Interest expense | 2,120,000 | 4,392,000 | 6,654,000 | 9,002,000 |
| Net interest income | 2,807,000 | 5,821,000 | 8,934,000 | 12,236,000 |
| Noninterest income | 695,000 | 1,405,000 | 2,164,000 | 2,834,000 |
| Noninterest expense | 1,732,000 | 3,497,000 | 5,407,000 | 7,336,000 |
| Provision for loan losses | 135,000 | 282,000 | 480,000 | 900,000 |
| Pretax income | 1,635,000 | 3,447,000 | 5,211,000 | 6,834,000 |
| Income tax | 605,000 | 1,260,000 | 1,900,000 | 2,445,000 |
| Net income | 1,030,000 | 2,187,000 | 3,311,000 | 4,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,166,000 | 31,307,000 | 31,919,000 | 32,998,000 |
| Total capital | 33,955,000 | 35,068,000 | 35,663,000 | 36,812,000 |
| Risk-weighted assets | 302,910,000 | 300,456,000 | 298,907,000 | 304,126,000 |