Call reports 2018
ROCHESTER STATE BANK — 2018
What ROCHESTER STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 95,776,000 | 94,657,000 | 90,239,000 | 90,981,000 |
| Total loans | 16,579,000 | 17,315,000 | 17,517,000 | 18,469,000 |
| Allowance for loan losses | 278,000 | 280,000 | 280,000 | 280,000 |
| Securities available for sale | 67,595,000 | 67,359,000 | 66,061,000 | 65,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,518,000 | 87,635,000 | 83,314,000 | 83,707,000 |
| Interest-bearing deposits | 69,021,000 | 68,429,000 | 65,899,000 | 66,050,000 |
| Noninterest-bearing deposits | 19,497,000 | 19,206,000 | 17,415,000 | 17,657,000 |
| Equity capital | 7,161,000 | 6,929,000 | 6,727,000 | 7,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,258,000 | 1,889,000 | 2,519,000 |
| Interest expense | 70,000 | 112,000 | 153,000 | 195,000 |
| Net interest income | 551,000 | 1,146,000 | 1,736,000 | 2,324,000 |
| Noninterest income | 34,000 | 68,000 | 105,000 | 139,000 |
| Noninterest expense | 498,000 | 961,000 | 1,448,000 | 1,957,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 91,000 | 257,000 | 397,000 | 503,000 |
| Income tax | 0 | 0 | -30,000 | -30,000 |
| Net income | 91,000 | 257,000 | 427,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,795,000 | 9,811,000 | 9,921,000 | 9,762,000 |
| Total capital | 10,073,000 | 10,091,000 | 10,201,000 | 10,042,000 |
| Risk-weighted assets | 53,975,000 | 54,384,000 | 50,036,000 | 50,104,000 |