Call reports 2004
ROCK COMMUNITY BANK — 2004
What ROCK COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,261,000 | 35,463,000 | 35,465,000 | 34,728,000 |
| Total loans | 27,554,000 | 27,652,000 | 29,129,000 | 25,955,000 |
| Allowance for loan losses | 497,000 | 512,000 | 527,000 | 543,000 |
| Securities available for sale | 4,179,000 | 3,000,000 | 2,517,000 | 2,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,584,000 | 25,992,000 | 22,879,000 | 23,095,000 |
| Interest-bearing deposits | 20,523,000 | 17,872,000 | 14,677,000 | 14,083,000 |
| Noninterest-bearing deposits | 9,061,000 | 8,120,000 | 8,202,000 | 9,012,000 |
| Equity capital | 5,231,000 | 5,218,000 | 5,317,000 | 5,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 870,000 | 1,309,000 | 1,731,000 |
| Interest expense | 74,000 | 142,000 | 218,000 | 293,000 |
| Net interest income | 368,000 | 728,000 | 1,091,000 | 1,438,000 |
| Noninterest income | 13,000 | 30,000 | 48,000 | 67,000 |
| Noninterest expense | 274,000 | 567,000 | 822,000 | 985,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 92,000 | 161,000 | 272,000 | 460,000 |
| Income tax | 37,000 | 64,000 | 109,000 | 142,000 |
| Net income | 55,000 | 97,000 | 163,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,243,000 | 5,285,000 | 5,352,000 | 5,505,000 |
| Total capital | 5,611,000 | 5,653,000 | 5,735,000 | 5,858,000 |
| Risk-weighted assets | 29,277,000 | 29,267,000 | 30,493,000 | 28,065,000 |