Call reports 2009
ROCHESTER STATE BANK — 2009
What ROCHESTER STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 56,226,000 | 58,168,000 | 58,984,000 | 59,720,000 |
| Total loans | 19,486,000 | 19,691,000 | 19,524,000 | 19,162,000 |
| Allowance for loan losses | 271,000 | 235,000 | 133,000 | 149,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 30,668,000 | 31,029,000 | 32,723,000 | 32,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,897,000 | 48,701,000 | 49,388,000 | 50,315,000 |
| Interest-bearing deposits | 36,830,000 | 37,972,000 | 38,873,000 | 39,173,000 |
| Noninterest-bearing deposits | 10,068,000 | 10,729,000 | 10,515,000 | 11,143,000 |
| Equity capital | 9,162,000 | 9,307,000 | 9,425,000 | 9,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,217,000 | 1,799,000 | 2,389,000 |
| Interest expense | 156,000 | 303,000 | 449,000 | 594,000 |
| Net interest income | 459,000 | 914,000 | 1,350,000 | 1,795,000 |
| Noninterest income | 57,000 | 136,000 | 211,000 | 275,000 |
| Noninterest expense | 309,000 | 658,000 | 1,011,000 | 1,461,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 207,000 | 392,000 | 550,000 | 594,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 206,000 | 390,000 | 548,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,162,000 | 9,307,000 | 9,425,000 | 9,244,000 |
| Total capital | 9,433,000 | 9,542,000 | 9,558,000 | 9,393,000 |
| Risk-weighted assets | 29,627,000 | 29,919,000 | 31,238,000 | 31,431,000 |
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