Call reports 2017
ROCHESTER STATE BANK — 2017
What ROCHESTER STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 93,035,000 | 94,548,000 | 94,679,000 | 94,591,000 |
| Total loans | 14,635,000 | 15,267,000 | 15,544,000 | 16,486,000 |
| Allowance for loan losses | 288,000 | 290,000 | 289,000 | 277,000 |
| Securities available for sale | 66,512,000 | 67,491,000 | 67,493,000 | 66,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,111,000 | 84,696,000 | 85,011,000 | 85,948,000 |
| Interest-bearing deposits | 65,972,000 | 67,838,000 | 68,263,000 | 69,190,000 |
| Noninterest-bearing deposits | 18,139,000 | 16,858,000 | 16,748,000 | 16,758,000 |
| Equity capital | 8,791,000 | 9,694,000 | 9,513,000 | 8,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 560,000 | 1,105,000 | 1,691,000 | 2,289,000 |
| Interest expense | 90,000 | 183,000 | 277,000 | 365,000 |
| Net interest income | 470,000 | 922,000 | 1,414,000 | 1,924,000 |
| Noninterest income | 41,000 | 79,000 | 114,000 | 150,000 |
| Noninterest expense | 457,000 | 912,000 | 1,382,000 | 1,850,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 91,000 | 158,000 | 237,000 | 315,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 91,000 | 158,000 | 237,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,827,000 | 9,893,000 | 9,825,000 | 9,704,000 |
| Total capital | 10,115,000 | 10,183,000 | 10,114,000 | 9,981,000 |
| Risk-weighted assets | 49,963,000 | 50,430,000 | 51,874,000 | 52,138,000 |