Call reports 2008
ROCKWOOD BANK — 2008
What ROCKWOOD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 389,152,000 | 369,192,000 | 350,623,000 | 358,317,000 |
| Total loans | 317,436,000 | 298,113,000 | 287,562,000 | 286,108,000 |
| Allowance for loan losses | 4,606,000 | 4,586,000 | 3,513,000 | 4,208,000 |
| Securities available for sale | 20,260,000 | 21,213,000 | 16,726,000 | 21,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,950,000 | 297,256,000 | 279,532,000 | 288,452,000 |
| Interest-bearing deposits | 281,161,000 | 256,755,000 | 242,489,000 | 249,880,000 |
| Noninterest-bearing deposits | 36,789,000 | 40,501,000 | 37,043,000 | 38,572,000 |
| Equity capital | 41,528,000 | 42,282,000 | 41,993,000 | 41,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,376,000 | 12,088,000 | 17,459,000 | 22,612,000 |
| Interest expense | 3,338,000 | 6,157,000 | 8,634,000 | 10,900,000 |
| Net interest income | 3,038,000 | 5,931,000 | 8,825,000 | 11,712,000 |
| Noninterest income | 690,000 | 1,381,000 | 2,002,000 | 2,204,000 |
| Noninterest expense | 2,152,000 | 4,033,000 | 5,912,000 | 7,312,000 |
| Provision for loan losses | 0 | 520,000 | 1,600,000 | 4,750,000 |
| Pretax income | 1,576,000 | 2,759,000 | 3,315,000 | 1,854,000 |
| Income tax | 560,000 | 986,000 | 1,171,000 | 602,000 |
| Net income | 1,016,000 | 1,773,000 | 2,144,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,517,000 | 42,274,000 | 41,983,000 | 41,092,000 |
| Total capital | 45,753,000 | 46,651,000 | 45,496,000 | 45,067,000 |
| Risk-weighted assets | 374,695,000 | 349,963,000 | 320,013,000 | 317,769,000 |