Call reports 2013
ROCHESTER STATE BANK — 2013
What ROCHESTER STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 77,819,000 | 78,518,000 | 80,760,000 | 82,171,000 |
| Total loans | 19,063,000 | 18,851,000 | 19,485,000 | 19,523,000 |
| Allowance for loan losses | 196,000 | 198,000 | 205,000 | 282,000 |
| Securities available for sale | 0 | 51,905,000 | 52,392,000 | 52,332,000 |
| Securities held to maturity | 50,678,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,849,000 | 68,217,000 | 70,315,000 | 72,570,000 |
| Interest-bearing deposits | 51,661,000 | 52,957,000 | 53,984,000 | 55,181,000 |
| Noninterest-bearing deposits | 16,188,000 | 15,260,000 | 16,331,000 | 17,389,000 |
| Equity capital | 9,877,000 | 10,194,000 | 10,360,000 | 9,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,033,000 | 1,561,000 | 2,111,000 |
| Interest expense | 82,000 | 164,000 | 247,000 | 330,000 |
| Net interest income | 424,000 | 869,000 | 1,314,000 | 1,781,000 |
| Noninterest income | 51,000 | 120,000 | 173,000 | 228,000 |
| Noninterest expense | 393,000 | 765,000 | 1,142,000 | 1,608,000 |
| Provision for loan losses | 0 | 20,000 | 40,000 | 160,000 |
| Pretax income | 82,000 | 210,000 | 319,000 | 452,000 |
| Income tax | -13,000 | 0 | -13,000 | -13,000 |
| Net income | 95,000 | 210,000 | 332,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,877,000 | 9,968,000 | 10,064,000 | 9,749,000 |
| Total capital | 10,073,000 | 10,166,000 | 10,269,000 | 10,031,000 |
| Risk-weighted assets | 48,157,000 | 47,820,000 | 48,871,000 | 43,093,000 |