Call reports 2002
ROCK COMMUNITY BANK — 2002
What ROCK COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 32,244,000 | 37,259,000 | 39,145,000 | 39,624,000 |
| Total loans | 22,207,000 | 23,148,000 | 22,876,000 | 25,396,000 |
| Allowance for loan losses | 307,000 | 327,000 | 357,000 | 387,000 |
| Securities available for sale | 5,902,000 | 10,012,000 | 10,296,000 | 11,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,172,000 | 31,709,000 | 32,620,000 | 33,275,000 |
| Interest-bearing deposits | 20,752,000 | 24,777,000 | 26,265,000 | 26,871,000 |
| Noninterest-bearing deposits | 6,420,000 | 6,932,000 | 6,355,000 | 6,404,000 |
| Equity capital | 4,862,000 | 4,962,000 | 5,032,000 | 5,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,010,000 | 1,562,000 | 2,080,000 |
| Interest expense | 134,000 | 282,000 | 447,000 | 605,000 |
| Net interest income | 365,000 | 728,000 | 1,115,000 | 1,475,000 |
| Noninterest income | 26,000 | 40,000 | 54,000 | 69,000 |
| Noninterest expense | 273,000 | 557,000 | 847,000 | 1,076,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 88,000 | 161,000 | 242,000 | 358,000 |
| Income tax | 31,000 | 55,000 | 84,000 | 130,000 |
| Net income | 57,000 | 106,000 | 158,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,840,000 | 4,889,000 | 4,941,000 | 5,011,000 |
| Total capital | 5,117,000 | 5,183,000 | 5,247,000 | 5,355,000 |
| Risk-weighted assets | 22,158,000 | 23,494,000 | 24,432,000 | 27,512,000 |