Call reports 2004
ROCHELLE STATE BANK — 2004
What ROCHELLE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,108,000 | 19,710,000 | 19,589,000 | 17,248,000 |
| Total loans | 7,894,000 | 8,146,000 | 8,699,000 | 7,238,000 |
| Allowance for loan losses | 144,000 | 132,000 | 144,000 | 154,000 |
| Securities available for sale | 4,838,000 | 4,430,000 | 4,396,000 | 7,284,000 |
| Securities held to maturity | 2,889,000 | 3,525,000 | 3,520,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,167,000 | 16,915,000 | 16,663,000 | 14,339,000 |
| Interest-bearing deposits | 14,806,000 | 14,326,000 | 14,232,000 | 12,607,000 |
| Noninterest-bearing deposits | 2,361,000 | 2,589,000 | 2,431,000 | 1,732,000 |
| Equity capital | 2,866,000 | 2,775,000 | 2,879,000 | 2,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 220,000 | 448,000 | 673,000 | 894,000 |
| Interest expense | 73,000 | 140,000 | 204,000 | 264,000 |
| Net interest income | 147,000 | 308,000 | 469,000 | 630,000 |
| Noninterest income | 41,000 | 78,000 | 125,000 | 160,000 |
| Noninterest expense | 162,000 | 313,000 | 465,000 | 625,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 | 33,000 |
| Pretax income | 20,000 | 58,000 | 105,000 | 159,000 |
| Income tax | 2,000 | 6,000 | 10,000 | 7,000 |
| Net income | 18,000 | 52,000 | 95,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,769,000 | 2,796,000 | 2,839,000 | 2,895,000 |
| Total capital | 2,893,000 | 2,924,000 | 2,973,000 | 3,022,000 |
| Risk-weighted assets | 9,932,000 | 10,216,000 | 10,706,000 | 10,135,000 |