Call reports 2015
ROCKWOOD BANK — 2015
What ROCKWOOD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 247,113,000 | 246,982,000 | 245,932,000 | 247,115,000 |
| Total loans | 185,859,000 | 185,489,000 | 186,777,000 | 193,497,000 |
| Allowance for loan losses | 3,546,000 | 3,647,000 | 3,797,000 | 3,540,000 |
| Securities available for sale | 4,993,000 | 3,497,000 | 2,502,000 | 3,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,018,000 | 210,462,000 | 209,552,000 | 210,706,000 |
| Interest-bearing deposits | 161,248,000 | 159,583,000 | 155,634,000 | 155,847,000 |
| Noninterest-bearing deposits | 49,770,000 | 50,879,000 | 53,918,000 | 54,859,000 |
| Equity capital | 31,786,000 | 32,243,000 | 31,796,000 | 32,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,222,000 | 4,512,000 | 6,812,000 | 9,172,000 |
| Interest expense | 155,000 | 305,000 | 446,000 | 581,000 |
| Net interest income | 2,067,000 | 4,207,000 | 6,366,000 | 8,591,000 |
| Noninterest income | 500,000 | 940,000 | 1,429,000 | 1,772,000 |
| Noninterest expense | 1,580,000 | 3,422,000 | 5,267,000 | 7,780,000 |
| Provision for loan losses | 350,000 | 400,000 | 550,000 | 250,000 |
| Pretax income | 637,000 | 1,325,000 | 1,978,000 | 2,333,000 |
| Income tax | 226,000 | 459,000 | 688,000 | 791,000 |
| Net income | 411,000 | 866,000 | 1,290,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,533,000 | 30,348,000 | 30,115,000 | 32,046,000 |
| Total capital | 32,148,000 | 32,931,000 | 32,679,000 | 34,632,000 |
| Risk-weighted assets | 208,289,000 | 204,447,000 | 202,867,000 | 205,893,000 |