Call reports 2003
ROCHELLE STATE BANK — 2003
What ROCHELLE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,474,000 | 19,325,000 | 18,867,000 | 19,254,000 |
| Total loans | 7,103,000 | 7,918,000 | 8,093,000 | 7,115,000 |
| Allowance for loan losses | 153,000 | 160,000 | 120,000 | 121,000 |
| Securities available for sale | 6,387,000 | 6,077,000 | 5,909,000 | 5,428,000 |
| Securities held to maturity | 1,548,000 | 1,547,000 | 1,976,000 | 2,395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,630,000 | 16,410,000 | 16,046,000 | 16,416,000 |
| Interest-bearing deposits | 14,257,000 | 14,430,000 | 13,514,000 | 13,791,000 |
| Noninterest-bearing deposits | 1,373,000 | 1,980,000 | 2,532,000 | 2,625,000 |
| Equity capital | 2,761,000 | 2,825,000 | 2,763,000 | 2,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 243,000 | 482,000 | 718,000 | 944,000 |
| Interest expense | 84,000 | 169,000 | 246,000 | 322,000 |
| Net interest income | 159,000 | 313,000 | 472,000 | 622,000 |
| Noninterest income | 33,000 | 72,000 | 116,000 | 171,000 |
| Noninterest expense | 144,000 | 291,000 | 436,000 | 585,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 46,000 |
| Pretax income | 39,000 | 76,000 | 155,000 | 192,000 |
| Income tax | 9,000 | 17,000 | 38,000 | 29,000 |
| Net income | 30,000 | 59,000 | 117,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,626,000 | 2,655,000 | 2,705,000 | 2,751,000 |
| Total capital | 2,738,000 | 2,776,000 | 2,825,000 | 2,865,000 |
| Risk-weighted assets | 8,939,000 | 9,614,000 | 9,753,000 | 9,178,000 |