Call reports 2008
ROCKBRIDGE COMMERCIAL BANK — 2008
What ROCKBRIDGE COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 221,912,000 | 232,628,000 | 247,258,000 | 262,970,000 |
| Total loans | 179,874,000 | 202,444,000 | 218,122,000 | 228,815,000 |
| Allowance for loan losses | 2,602,000 | 3,371,000 | 3,329,000 | 5,934,000 |
| Securities available for sale | 6,985,000 | 10,467,000 | 10,683,000 | 17,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,988,000 | 205,867,000 | 221,331,000 | 235,386,000 |
| Interest-bearing deposits | 193,687,000 | 191,859,000 | 204,195,000 | 223,229,000 |
| Noninterest-bearing deposits | 2,301,000 | 14,008,000 | 17,136,000 | 12,157,000 |
| Equity capital | 25,226,000 | 25,934,000 | 25,207,000 | 26,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,361,000 | 6,569,000 | 10,152,000 | 13,406,000 |
| Interest expense | 2,065,000 | 4,199,000 | 6,505,000 | 8,741,000 |
| Net interest income | 1,296,000 | 2,370,000 | 3,647,000 | 4,665,000 |
| Noninterest income | 13,000 | 43,000 | 96,000 | 139,000 |
| Noninterest expense | 1,235,000 | 2,532,000 | 3,711,000 | 5,036,000 |
| Provision for loan losses | 680,000 | 1,449,000 | 2,713,000 | 5,319,000 |
| Pretax income | -606,000 | -1,568,000 | -2,681,000 | -5,551,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -606,000 | -1,568,000 | -2,681,000 | -5,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,219,000 | 26,257,000 | 25,144,000 | 26,274,000 |
| Total capital | 27,736,000 | 29,047,000 | 28,155,000 | 29,337,000 |
| Risk-weighted assets | 201,267,000 | 222,666,000 | 240,538,000 | 242,146,000 |
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