Call reports 2011
ROCHESTER STATE BANK — 2011
What ROCHESTER STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 70,515,000 | 73,937,000 | 72,541,000 | 71,777,000 |
| Total loans | 17,061,000 | 17,140,000 | 18,453,000 | 18,124,000 |
| Allowance for loan losses | 125,000 | 140,000 | 171,000 | 173,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 41,892,000 | 44,070,000 | 45,015,000 | 46,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,979,000 | 64,255,000 | 62,717,000 | 61,781,000 |
| Interest-bearing deposits | 47,090,000 | 49,770,000 | 48,614,000 | 49,197,000 |
| Noninterest-bearing deposits | 13,889,000 | 14,485,000 | 14,103,000 | 12,584,000 |
| Equity capital | 9,402,000 | 9,542,000 | 9,709,000 | 9,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,107,000 | 1,682,000 | 2,243,000 |
| Interest expense | 113,000 | 227,000 | 325,000 | 418,000 |
| Net interest income | 432,000 | 880,000 | 1,357,000 | 1,825,000 |
| Noninterest income | 55,000 | 116,000 | 178,000 | 251,000 |
| Noninterest expense | 340,000 | 688,000 | 1,051,000 | 1,538,000 |
| Provision for loan losses | 0 | 13,000 | 13,000 | 13,000 |
| Pretax income | 147,000 | 295,000 | 471,000 | 525,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 147,000 | 294,000 | 470,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,402,000 | 9,542,000 | 9,709,000 | 9,570,000 |
| Total capital | 9,527,000 | 9,682,000 | 9,880,000 | 9,743,000 |
| Risk-weighted assets | 37,173,000 | 40,152,000 | 41,264,000 | 43,468,000 |