Call reports 2010
ROCHESTER STATE BANK — 2010
What ROCHESTER STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 62,474,000 | 62,912,000 | 64,085,000 | 67,485,000 |
| Total loans | 18,271,000 | 17,566,000 | 18,164,000 | 18,700,000 |
| Allowance for loan losses | 158,000 | 164,000 | 130,000 | 144,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,196,000 | 33,505,000 | 32,778,000 | 32,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,915,000 | 53,226,000 | 53,764,000 | 57,939,000 |
| Interest-bearing deposits | 40,883,000 | 42,118,000 | 43,127,000 | 45,695,000 |
| Noninterest-bearing deposits | 12,031,000 | 11,108,000 | 10,637,000 | 12,244,000 |
| Equity capital | 9,394,000 | 9,528,000 | 9,638,000 | 9,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,122,000 | 1,664,000 | 2,188,000 |
| Interest expense | 143,000 | 288,000 | 416,000 | 534,000 |
| Net interest income | 422,000 | 834,000 | 1,248,000 | 1,654,000 |
| Noninterest income | 55,000 | 138,000 | 200,000 | 263,000 |
| Noninterest expense | 314,000 | 655,000 | 1,007,000 | 1,471,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 15,000 |
| Pretax income | 163,000 | 312,000 | 436,000 | 431,000 |
| Income tax | 0 | 2,000 | 2,000 | 3,000 |
| Net income | 163,000 | 310,000 | 434,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,394,000 | 9,528,000 | 9,638,000 | 9,264,000 |
| Total capital | 9,552,000 | 9,692,000 | 9,768,000 | 9,408,000 |
| Risk-weighted assets | 32,524,000 | 34,080,000 | 35,552,000 | 36,167,000 |
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