Call reports 2019
ROCHESTER STATE BANK — 2019
What ROCHESTER STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 93,841,000 | 94,933,000 | 95,110,000 | 98,321,000 |
| Total loans | 17,865,000 | 19,952,000 | 20,468,000 | 21,095,000 |
| Allowance for loan losses | 278,000 | 278,000 | 279,000 | 280,000 |
| Securities available for sale | 66,804,000 | 67,936,000 | 67,321,000 | 67,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,586,000 | 84,385,000 | 83,890,000 | 87,337,000 |
| Interest-bearing deposits | 65,934,000 | 66,037,000 | 64,560,000 | 66,209,000 |
| Noninterest-bearing deposits | 18,652,000 | 18,348,000 | 19,330,000 | 21,128,000 |
| Equity capital | 9,149,000 | 10,461,000 | 11,089,000 | 10,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,287,000 | 1,978,000 | 2,649,000 |
| Interest expense | 38,000 | 77,000 | 115,000 | 152,000 |
| Net interest income | 595,000 | 1,210,000 | 1,863,000 | 2,497,000 |
| Noninterest income | 30,000 | 62,000 | 97,000 | 131,000 |
| Noninterest expense | 487,000 | 959,000 | 1,438,000 | 1,954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 121,000 | 315,000 | 543,000 | 695,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 121,000 | 315,000 | 543,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,883,000 | 9,876,000 | 10,045,000 | 9,931,000 |
| Total capital | 10,161,000 | 10,154,000 | 10,324,000 | 10,211,000 |
| Risk-weighted assets | 48,566,000 | 53,980,000 | 54,364,000 | 55,963,000 |