Call reports 2005
ROCK COMMUNITY BANK — 2005
What ROCK COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,183,000 | 51,037,000 | 46,992,000 | 73,477,000 |
| Total loans | 25,214,000 | 24,498,000 | 23,796,000 | 21,581,000 |
| Allowance for loan losses | 558,000 | 559,000 | 559,000 | 559,000 |
| Securities available for sale | 1,857,000 | 1,623,000 | 1,343,000 | 1,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,427,000 | 45,686,000 | 41,486,000 | 67,939,000 |
| Interest-bearing deposits | 22,537,000 | 35,912,000 | 32,765,000 | 58,244,000 |
| Noninterest-bearing deposits | 9,890,000 | 9,774,000 | 8,721,000 | 9,695,000 |
| Equity capital | 5,561,000 | 5,144,000 | 5,217,000 | 5,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 919,000 | 1,463,000 | 2,120,000 |
| Interest expense | 82,000 | 254,000 | 474,000 | 813,000 |
| Net interest income | 338,000 | 665,000 | 989,000 | 1,307,000 |
| Noninterest income | 13,000 | 31,000 | 51,000 | 71,000 |
| Noninterest expense | 196,000 | 428,000 | 633,000 | 824,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 140,000 | 253,000 | 392,000 | 539,000 |
| Income tax | 56,000 | 101,000 | 156,000 | 187,000 |
| Net income | 84,000 | 152,000 | 236,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,590,000 | 5,158,000 | 5,241,000 | 5,358,000 |
| Total capital | 5,955,000 | 5,515,000 | 5,570,000 | 5,734,000 |
| Risk-weighted assets | 29,031,000 | 28,326,000 | 26,114,000 | 29,870,000 |