Call reports 2003
ROCK COMMUNITY BANK — 2003
What ROCK COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 42,723,000 | 41,346,000 | 37,400,000 | 37,639,000 |
| Total loans | 25,783,000 | 28,764,000 | 27,879,000 | 28,585,000 |
| Allowance for loan losses | 445,000 | 460,000 | 480,000 | 481,000 |
| Securities available for sale | 9,203,000 | 6,250,000 | 6,022,000 | 5,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,734,000 | 35,208,000 | 31,001,000 | 28,176,000 |
| Interest-bearing deposits | 26,565,000 | 26,723,000 | 23,559,000 | 19,171,000 |
| Noninterest-bearing deposits | 10,169,000 | 8,486,000 | 7,442,000 | 9,005,000 |
| Equity capital | 5,135,000 | 5,136,000 | 5,098,000 | 5,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 979,000 | 1,448,000 | 1,909,000 |
| Interest expense | 146,000 | 270,000 | 377,000 | 463,000 |
| Net interest income | 360,000 | 709,000 | 1,071,000 | 1,446,000 |
| Noninterest income | 17,000 | 40,000 | 67,000 | 81,000 |
| Noninterest expense | 284,000 | 580,000 | 895,000 | 1,158,000 |
| Provision for loan losses | 25,000 | 40,000 | 60,000 | 75,000 |
| Pretax income | 68,000 | 131,000 | 185,000 | 296,000 |
| Income tax | 27,000 | 52,000 | 74,000 | 118,000 |
| Net income | 41,000 | 79,000 | 111,000 | 178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,052,000 | 5,089,000 | 5,121,000 | 5,188,000 |
| Total capital | 5,412,000 | 5,455,000 | 5,488,000 | 5,565,000 |
| Risk-weighted assets | 28,754,000 | 29,193,000 | 29,246,000 | 30,057,000 |