Call reports 2002
ROCHELLE STATE BANK — 2002
What ROCHELLE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 18,068,000 | 17,795,000 | 18,214,000 | 18,728,000 |
| Total loans | 7,227,000 | 7,589,000 | 7,881,000 | 7,106,000 |
| Allowance for loan losses | 164,000 | 163,000 | 143,000 | 145,000 |
| Securities available for sale | 6,081,000 | 6,081,000 | 5,577,000 | 5,679,000 |
| Securities held to maturity | 690,000 | 1,110,000 | 1,110,000 | 1,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,545,000 | 15,157,000 | 15,267,000 | 15,874,000 |
| Interest-bearing deposits | 13,974,000 | 13,298,000 | 12,598,000 | 13,414,000 |
| Noninterest-bearing deposits | 1,571,000 | 1,859,000 | 2,669,000 | 2,460,000 |
| Equity capital | 2,468,000 | 2,586,000 | 2,788,000 | 2,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 258,000 | 503,000 | 759,000 | 993,000 |
| Interest expense | 118,000 | 220,000 | 312,000 | 407,000 |
| Net interest income | 140,000 | 283,000 | 447,000 | 586,000 |
| Noninterest income | 55,000 | 99,000 | 145,000 | 198,000 |
| Noninterest expense | 156,000 | 296,000 | 434,000 | 575,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 34,000 | 75,000 | 148,000 | 193,000 |
| Income tax | 8,000 | 17,000 | 35,000 | 46,000 |
| Net income | 26,000 | 58,000 | 113,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,483,000 | 2,507,000 | 2,562,000 | 2,596,000 |
| Total capital | 2,603,000 | 2,632,000 | 2,687,000 | 2,708,000 |
| Risk-weighted assets | 9,571,000 | 9,982,000 | 9,951,000 | 8,897,000 |