Call reports 2007
ROCKBRIDGE COMMERCIAL BANK — 2007
What ROCKBRIDGE COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,195,000 | 74,000,000 | 107,356,000 | 180,624,000 |
| Total loans | 25,694,000 | 53,654,000 | 88,240,000 | 156,905,000 |
| Allowance for loan losses | 258,000 | 539,000 | 886,000 | 1,922,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,399,000 | 47,255,000 | 80,656,000 | 154,030,000 |
| Interest-bearing deposits | 3,471,000 | 36,508,000 | 67,937,000 | 152,382,000 |
| Noninterest-bearing deposits | 9,928,000 | 10,747,000 | 12,719,000 | 1,648,000 |
| Equity capital | 26,685,000 | 26,524,000 | 26,341,000 | 25,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 644,000 | 1,737,000 | 3,518,000 | 6,316,000 |
| Interest expense | 29,000 | 250,000 | 922,000 | 2,251,000 |
| Net interest income | 615,000 | 1,487,000 | 2,596,000 | 4,065,000 |
| Noninterest income | 0 | 5,000 | 9,000 | 18,000 |
| Noninterest expense | 690,000 | 1,447,000 | 2,396,000 | 3,353,000 |
| Provision for loan losses | 184,000 | 465,000 | 812,000 | 1,848,000 |
| Pretax income | -259,000 | -420,000 | -603,000 | -1,118,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -259,000 | -420,000 | -603,000 | -1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,685,000 | 26,524,000 | 26,341,000 | 25,826,000 |
| Total capital | 26,943,000 | 27,063,000 | 27,227,000 | 27,748,000 |
| Risk-weighted assets | 31,947,000 | 60,486,000 | 95,710,000 | 171,769,000 |