Call reports 2012
ROCKWOOD BANK — 2012
What ROCKWOOD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 267,172,000 | 261,025,000 | 257,114,000 | 250,544,000 |
| Total loans | 174,312,000 | 173,558,000 | 177,024,000 | 174,252,000 |
| Allowance for loan losses | 5,488,000 | 5,113,000 | 4,515,000 | 4,670,000 |
| Securities available for sale | 11,321,000 | 8,342,000 | 8,341,000 | 2,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,853,000 | 227,482,000 | 223,446,000 | 216,456,000 |
| Interest-bearing deposits | 186,558,000 | 184,454,000 | 179,947,000 | 173,673,000 |
| Noninterest-bearing deposits | 42,295,000 | 43,028,000 | 43,499,000 | 42,783,000 |
| Equity capital | 30,758,000 | 30,863,000 | 30,878,000 | 31,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,600,000 | 5,096,000 | 7,584,000 | 10,034,000 |
| Interest expense | 444,000 | 793,000 | 1,104,000 | 1,393,000 |
| Net interest income | 2,156,000 | 4,303,000 | 6,480,000 | 8,641,000 |
| Noninterest income | 815,000 | 777,000 | 1,275,000 | 1,812,000 |
| Noninterest expense | 1,985,000 | 3,832,000 | 5,730,000 | 7,586,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 836,000 | 948,000 | 1,575,000 | 2,267,000 |
| Income tax | 305,000 | 325,000 | 517,000 | 782,000 |
| Net income | 531,000 | 623,000 | 1,058,000 | 1,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,987,000 | 27,314,000 | 27,673,000 | 28,254,000 |
| Total capital | 29,683,000 | 29,907,000 | 30,292,000 | 30,910,000 |
| Risk-weighted assets | 212,853,000 | 204,950,000 | 207,649,000 | 210,439,000 |