Call reports 2016
ROCKWOOD BANK — 2016
What ROCKWOOD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 251,317,000 | 252,025,000 | 255,725,000 | 253,923,000 |
| Total loans | 190,832,000 | 182,238,000 | 188,886,000 | 198,743,000 |
| Allowance for loan losses | 3,891,000 | 4,146,000 | 4,455,000 | 3,090,000 |
| Securities available for sale | 3,499,000 | 2,503,000 | 2,501,000 | 1,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,294,000 | 214,781,000 | 218,208,000 | 216,020,000 |
| Interest-bearing deposits | 154,674,000 | 153,279,000 | 151,135,000 | 150,106,000 |
| Noninterest-bearing deposits | 59,620,000 | 61,502,000 | 67,073,000 | 65,914,000 |
| Equity capital | 32,508,000 | 32,573,000 | 32,610,000 | 33,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,333,000 | 4,621,000 | 6,924,000 | 9,282,000 |
| Interest expense | 113,000 | 222,000 | 328,000 | 432,000 |
| Net interest income | 2,220,000 | 4,399,000 | 6,596,000 | 8,850,000 |
| Noninterest income | 414,000 | 868,000 | 1,334,000 | 297,000 |
| Noninterest expense | 1,724,000 | 3,466,000 | 5,186,000 | 6,920,000 |
| Provision for loan losses | 195,000 | 455,000 | 770,000 | -590,000 |
| Pretax income | 715,000 | 1,346,000 | 1,974,000 | 2,817,000 |
| Income tax | 253,000 | 471,000 | 685,000 | 975,000 |
| Net income | 462,000 | 875,000 | 1,289,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,509,000 | 32,571,000 | 32,609,000 | 33,162,000 |
| Total capital | 35,043,000 | 35,022,000 | 35,146,000 | 35,785,000 |
| Risk-weighted assets | 201,388,000 | 194,390,000 | 201,040,000 | 209,393,000 |