Call reports 2009
ROCKWOOD BANK — 2009
What ROCKWOOD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 351,803,000 | 338,255,000 | 330,618,000 | 316,071,000 |
| Total loans | 282,014,000 | 275,098,000 | 270,034,000 | 241,854,000 |
| Allowance for loan losses | 5,544,000 | 6,452,000 | 6,782,000 | 5,533,000 |
| Securities available for sale | 18,630,000 | 15,072,000 | 19,078,000 | 20,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,200,000 | 279,948,000 | 271,386,000 | 261,726,000 |
| Interest-bearing deposits | 233,730,000 | 241,206,000 | 231,260,000 | 223,592,000 |
| Noninterest-bearing deposits | 44,470,000 | 38,742,000 | 40,126,000 | 38,134,000 |
| Equity capital | 41,195,000 | 38,267,000 | 38,587,000 | 34,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,901,000 | 9,306,000 | 13,707,000 | 17,796,000 |
| Interest expense | 2,042,000 | 3,773,000 | 5,305,000 | 6,698,000 |
| Net interest income | 2,859,000 | 5,533,000 | 8,402,000 | 11,098,000 |
| Noninterest income | 548,000 | 1,178,000 | 1,868,000 | 2,484,000 |
| Noninterest expense | 1,835,000 | 4,192,000 | 6,252,000 | 7,931,000 |
| Provision for loan losses | 1,175,000 | 5,500,000 | 6,400,000 | 15,200,000 |
| Pretax income | 397,000 | -2,981,000 | -2,382,000 | -9,549,000 |
| Income tax | 126,000 | -1,200,000 | -915,000 | -3,666,000 |
| Net income | 271,000 | -1,781,000 | -1,467,000 | -5,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,153,000 | 38,225,000 | 38,540,000 | 34,124,000 |
| Total capital | 45,055,000 | 42,087,000 | 42,269,000 | 37,718,000 |
| Risk-weighted assets | 310,552,000 | 306,369,000 | 295,232,000 | 285,610,000 |