Call reports 2012
ROCHESTER STATE BANK — 2012
What ROCHESTER STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 76,532,000 | 77,045,000 | 76,063,000 | 74,818,000 |
| Total loans | 17,434,000 | 17,267,000 | 17,415,000 | 17,741,000 |
| Allowance for loan losses | 173,000 | 166,000 | 205,000 | 196,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 44,608,000 | 45,737,000 | 45,293,000 | 44,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,707,000 | 67,042,000 | 66,037,000 | 64,368,000 |
| Interest-bearing deposits | 50,712,000 | 51,863,000 | 51,343,000 | 50,516,000 |
| Noninterest-bearing deposits | 15,995,000 | 15,179,000 | 14,694,000 | 13,852,000 |
| Equity capital | 9,711,000 | 9,868,000 | 9,918,000 | 9,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 542,000 | 1,070,000 | 1,592,000 | 2,101,000 |
| Interest expense | 89,000 | 177,000 | 262,000 | 345,000 |
| Net interest income | 453,000 | 893,000 | 1,330,000 | 1,756,000 |
| Noninterest income | 59,000 | 121,000 | 184,000 | 248,000 |
| Noninterest expense | 346,000 | 692,000 | 1,058,000 | 1,511,000 |
| Provision for loan losses | 0 | 0 | 37,000 | 37,000 |
| Pretax income | 166,000 | 322,000 | 419,000 | 456,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 164,000 | 320,000 | 417,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,711,000 | 9,868,000 | 9,918,000 | 9,806,000 |
| Total capital | 9,884,000 | 10,034,000 | 10,123,000 | 10,002,000 |
| Risk-weighted assets | 43,035,000 | 43,995,000 | 44,673,000 | 44,650,000 |