Call reports 2006
ROCKWOOD BANK — 2006
What ROCKWOOD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 378,281,000 | 381,942,000 | 358,827,000 | 364,331,000 |
| Total loans | 302,138,000 | 312,897,000 | 317,312,000 | 310,723,000 |
| Allowance for loan losses | 4,821,000 | 4,809,000 | 4,793,000 | 5,096,000 |
| Securities available for sale | 11,391,000 | 10,772,000 | 16,341,000 | 13,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,853,000 | 322,781,000 | 298,633,000 | 303,025,000 |
| Interest-bearing deposits | 272,346,000 | 283,249,000 | 259,937,000 | 262,958,000 |
| Noninterest-bearing deposits | 47,507,000 | 39,532,000 | 38,696,000 | 40,067,000 |
| Equity capital | 33,614,000 | 35,159,000 | 36,108,000 | 37,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,791,000 | 12,187,000 | 18,858,000 | 25,497,000 |
| Interest expense | 2,580,000 | 5,610,000 | 8,650,000 | 11,733,000 |
| Net interest income | 3,211,000 | 6,577,000 | 10,208,000 | 13,764,000 |
| Noninterest income | 691,000 | 1,414,000 | 2,107,000 | 2,759,000 |
| Noninterest expense | 1,890,000 | 3,847,000 | 5,784,000 | 7,766,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 400,000 |
| Pretax income | 1,982,000 | 4,084,000 | 6,411,000 | 8,357,000 |
| Income tax | 730,000 | 1,490,000 | 2,335,000 | 3,007,000 |
| Net income | 1,252,000 | 2,594,000 | 4,076,000 | 5,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,707,000 | 35,263,000 | 36,167,000 | 37,266,000 |
| Total capital | 37,631,000 | 39,291,000 | 40,441,000 | 41,255,000 |
| Risk-weighted assets | 313,022,000 | 321,468,000 | 341,391,000 | 338,027,000 |