Call reports 2014
ROCHESTER STATE BANK — 2014
What ROCHESTER STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 84,984,000 | 90,693,000 | 88,484,000 | 87,213,000 |
| Total loans | 18,712,000 | 18,245,000 | 18,348,000 | 17,494,000 |
| Allowance for loan losses | 289,000 | 298,000 | 230,000 | 247,000 |
| Securities available for sale | 51,138,000 | 59,135,000 | 59,104,000 | 58,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,981,000 | 80,305,000 | 78,283,000 | 77,357,000 |
| Interest-bearing deposits | 56,536,000 | 61,325,000 | 60,914,000 | 59,400,000 |
| Noninterest-bearing deposits | 18,445,000 | 18,980,000 | 17,369,000 | 17,957,000 |
| Equity capital | 9,914,000 | 10,280,000 | 10,116,000 | 9,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 532,000 | 1,070,000 | 1,638,000 | 2,220,000 |
| Interest expense | 81,000 | 165,000 | 252,000 | 336,000 |
| Net interest income | 451,000 | 905,000 | 1,386,000 | 1,884,000 |
| Noninterest income | 45,000 | 100,000 | 152,000 | 199,000 |
| Noninterest expense | 410,000 | 776,000 | 1,163,000 | 1,677,000 |
| Provision for loan losses | 0 | 11,000 | 130,000 | 145,000 |
| Pretax income | 88,000 | 219,000 | 248,000 | 342,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 84,000 | 215,000 | 244,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,834,000 | 9,920,000 | 9,948,000 | 9,552,000 |
| Total capital | 10,123,000 | 10,218,000 | 10,178,000 | 9,799,000 |
| Risk-weighted assets | 41,626,000 | 38,060,000 | 35,364,000 | 33,187,000 |