Call reports 2008
ROCHESTER STATE BANK — 2008
What ROCHESTER STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,968,000 | 55,913,000 | 56,594,000 | 56,554,000 |
| Total loans | 19,352,000 | 19,224,000 | 19,477,000 | 19,524,000 |
| Allowance for loan losses | 279,000 | 281,000 | 279,000 | 282,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,496,000 | 31,759,000 | 30,802,000 | 32,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,999,000 | 46,786,000 | 47,311,000 | 46,650,000 |
| Interest-bearing deposits | 34,890,000 | 36,204,000 | 36,545,000 | 35,613,000 |
| Noninterest-bearing deposits | 11,109,000 | 10,582,000 | 10,766,000 | 11,036,000 |
| Equity capital | 8,777,000 | 8,942,000 | 9,094,000 | 8,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 650,000 | 1,288,000 | 1,926,000 | 2,564,000 |
| Interest expense | 173,000 | 348,000 | 520,000 | 687,000 |
| Net interest income | 477,000 | 940,000 | 1,406,000 | 1,877,000 |
| Noninterest income | 63,000 | 128,000 | 204,000 | 272,000 |
| Noninterest expense | 310,000 | 603,000 | 924,000 | 1,361,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 230,000 | 465,000 | 686,000 | 788,000 |
| Income tax | 0 | 2,000 | 4,000 | 5,000 |
| Net income | 230,000 | 463,000 | 682,000 | 783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,777,000 | 8,942,000 | 9,094,000 | 8,995,000 |
| Total capital | 9,056,000 | 9,223,000 | 9,373,000 | 9,277,000 |
| Risk-weighted assets | 30,791,000 | 30,640,000 | 29,563,000 | 29,903,000 |
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