Call reports 2015
ROCHESTER STATE BANK — 2015
What ROCHESTER STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 87,078,000 | 88,347,000 | 87,638,000 | 88,675,000 |
| Total loans | 16,651,000 | 16,692,000 | 16,931,000 | 16,865,000 |
| Allowance for loan losses | 263,000 | 259,000 | 280,000 | 285,000 |
| Securities available for sale | 62,102,000 | 61,767,000 | 62,582,000 | 62,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,476,000 | 78,431,000 | 77,074,000 | 78,847,000 |
| Interest-bearing deposits | 58,749,000 | 60,048,000 | 59,990,000 | 61,929,000 |
| Noninterest-bearing deposits | 17,727,000 | 18,383,000 | 17,084,000 | 16,918,000 |
| Equity capital | 10,517,000 | 9,796,000 | 10,463,000 | 9,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 583,000 | 1,149,000 | 1,739,000 | 2,382,000 |
| Interest expense | 82,000 | 168,000 | 254,000 | 340,000 |
| Net interest income | 501,000 | 981,000 | 1,485,000 | 2,042,000 |
| Noninterest income | 53,000 | 98,000 | 144,000 | 185,000 |
| Noninterest expense | 457,000 | 838,000 | 1,286,000 | 1,788,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 84,000 | 213,000 | 302,000 | 464,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 84,000 | 213,000 | 302,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,636,000 | 9,717,000 | 9,759,000 | 9,616,000 |
| Total capital | 9,899,000 | 9,976,000 | 10,039,000 | 9,901,000 |
| Risk-weighted assets | 32,937,000 | 34,169,000 | 35,256,000 | 42,128,000 |