Call reports 2007
ROCHESTER STATE BANK — 2007
What ROCHESTER STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,873,000 | 56,543,000 | 55,335,000 | 52,474,000 |
| Total loans | 19,238,000 | 20,111,000 | 21,787,000 | 20,312,000 |
| Allowance for loan losses | 337,000 | 336,000 | 337,000 | 336,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,162,000 | 29,861,000 | 29,379,000 | 26,534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,999,000 | 47,504,000 | 44,673,000 | 43,662,000 |
| Interest-bearing deposits | 34,517,000 | 36,511,000 | 34,558,000 | 33,817,000 |
| Noninterest-bearing deposits | 10,483,000 | 10,994,000 | 10,115,000 | 9,845,000 |
| Equity capital | 8,702,000 | 8,865,000 | 9,097,000 | 8,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,333,000 | 2,019,000 | 2,712,000 |
| Interest expense | 172,000 | 353,000 | 538,000 | 722,000 |
| Net interest income | 485,000 | 980,000 | 1,481,000 | 1,990,000 |
| Noninterest income | 54,000 | 130,000 | 198,000 | 268,000 |
| Noninterest expense | 308,000 | 620,000 | 909,000 | 1,369,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 231,000 | 490,000 | 770,000 | 889,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 230,000 | 488,000 | 767,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,702,000 | 8,865,000 | 9,097,000 | 8,614,000 |
| Total capital | 9,039,000 | 9,201,000 | 9,434,000 | 8,950,000 |
| Risk-weighted assets | 29,670,000 | 31,117,000 | 32,315,000 | 31,760,000 |
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