Rockford Bank and Trust Company in Rockford, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Rockford Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 57927
    Status: Active
    Federal Reserve ID: 3303917
    Bank Holding Company (Regulatory Top Holder): Qcr Holdings, Inc. (RSSDID: 2125813, Location: Moline, IL)
    Date Established: January 03, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 431606
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 03, 2005
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 127 North Wyman Street, Rockford, IL 61101
    County: Winnebago
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Rockford, IL (#6880)
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Rockford, IL (#40420)
    CBSA Metro Statistical Area: Rockford, IL (#40420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $294.4 mil
    Equity capital: $33.4 mil
    Deposits held in domestic offices: $221.9 mil
    Return on assets (ROA): 0.15% ($0.4 mil)
    Quarterly return on assets: 0.50% ($1.5 mil)
    Return on Equity (ROE): 1.28% ($0.4 mil)
    Quarterly return on equity: 4.38% ($1.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.19% ($559.3 mil)
    Quarterly Pretax return on assets: 0.74% ($2,178.4 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 52Total employees (full-time equivalent)
  • $294,383Total assets
  • $5,276Cash and due from depository institutions
  • $100Interest-bearing balances
  • $37,840Securities
  • $4,320Federal funds sold & reverse repurchase agreements
  • $225,191Net loans & leases
  • $4,051Loan loss allowance
  • $0Trading account assets
  • $6,122Bank premises and fixed assets
  • $2,889Other real estate owned
  • $0Goodwill and other intangibles
  • $294,383Life insurance assets
  • $12,745All other assets
  • $260,988Total liabilities and capital
  • $221,873Total liabilities
  • $185,942Total deposits
  • $221,873Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 5159.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $32,000Trading liabilities
  • $0Other borrowed funds
  • $1,956Subordinated debt
  • $33,395All other liabilities
  • $33,395Total equity capital
  • $33,395Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $34,079Surplus
  • $-5,684Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,316Income earned, not collected on loans
  • $0Earning assets
  • $880Long-term assets (5+ years)
  • $267,451Average Assets, year-to-date
  • $63,752Average Assets, quarterly
  • $281,149Volatile liabilities
  • $290,979Insider loans
  • $237,517FHLB advances
  • $294,257Loans and leases held for sale
  • $6,676Unused loan commitments
  • $6,676Tier 1 (core) risk-based capital
  • $33,277Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $45,591Restructured Loans and leases
  • $2,577Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,523Total interest income
  • $3,435Total interest expense
  • $9,088Net interest income
  • $2,226Provision for loan and lease losses
  • $1,270Total noninterest income
  • $42Fiduciary activities
  • $350Service charges on deposit accounts
  • $0Trading account gains & fees
  • $878Additional noninterest income
  • $7,747Total noninterest expense
  • $4,532Salaries and employee benefits
  • $811Premises and equipment expense
  • $2,404Additional noninterest expense
  • $385Pre-tax net operating income
  • $149Securities gains (losses)
  • $122Applicable income taxes
  • $412Income before extraordinary items
  • $0Extraordinary gains - net
  • $412Net income attributable to bank
  • $0Net charge-offs
  • $412Cash dividends
  • $1,365Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.11%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.19%Pretax return on assets
  • 1.28%Return on equity (ROE)
  • 1.28%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 163.08%Credit loss provision to net charge-offs
  • 1.91%Efficiency ratio
  • 74,792Assets per employee
  • 5.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 76.20%Noncurrent assets plus other real estate owned to assets
  • 2.79%Noncurrent loans to loans
  • 2.32%Net loans and leases to deposits
  • 101.50%Net loans and leases to core deposits
  • 117.04%Equity capital to assets
  • 11.34%Core capital (leverage) ratio
  • 11.31%Tier 1 risk-based capital ratio
  • 14.01%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $281,149Average earning assets
  • $32,063Average equity
  • $256,133Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,145Managed Assets
  • 1Number of Accounts
  • $1,239Personal trust and agency accounts
  • $92Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $36Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,111Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 25Number of Accounts
  • $0Personal trust and agency accounts
  • $36Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $906Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $906Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0431606Rockford Bank And Trust Company127 North Wyman Street, Rockford, IL 61101January 03, 2005Full Service Brick and Mortar
    2446226Rockford Branch4571 Guilford Road, Rockford, IL 61107December 12, 2005Full Service Brick and Mortar

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