Call reports 2016
ROCHESTER STATE BANK — 2016
What ROCHESTER STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 90,822,000 | 94,336,000 | 92,363,000 | 90,816,000 |
| Total loans | 16,643,000 | 15,974,000 | 15,562,000 | 16,513,000 |
| Allowance for loan losses | 284,000 | 285,000 | 286,000 | 287,000 |
| Securities available for sale | 61,569,000 | 66,693,000 | 65,752,000 | 63,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,119,000 | 82,824,000 | 80,965,000 | 82,410,000 |
| Interest-bearing deposits | 63,288,000 | 64,449,000 | 64,556,000 | 66,169,000 |
| Noninterest-bearing deposits | 16,831,000 | 18,375,000 | 16,409,000 | 16,241,000 |
| Equity capital | 10,590,000 | 11,346,000 | 11,243,000 | 8,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 642,000 | 1,479,000 | 2,153,000 | 2,266,000 |
| Interest expense | 86,000 | 174,000 | 265,000 | 355,000 |
| Net interest income | 556,000 | 1,305,000 | 1,888,000 | 1,911,000 |
| Noninterest income | 43,000 | 83,000 | 129,000 | 169,000 |
| Noninterest expense | 442,000 | 884,000 | 1,332,000 | 1,841,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 197,000 | 544,000 | 725,000 | 720,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 197,000 | 544,000 | 725,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,812,000 | 9,989,000 | 10,052,000 | 9,736,000 |
| Total capital | 10,096,000 | 10,274,000 | 10,338,000 | 10,023,000 |
| Risk-weighted assets | 44,449,000 | 49,383,000 | 50,663,000 | 50,660,000 |