Call reports 2005
ROCHELLE STATE BANK — 2005
What ROCHELLE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 17,812,000 | 16,708,000 | 17,965,000 | 17,420,000 |
| Total loans | 7,748,000 | 7,691,000 | 8,071,000 | 6,957,000 |
| Allowance for loan losses | 156,000 | 169,000 | 176,000 | 175,000 |
| Securities available for sale | 6,945,000 | 6,979,000 | 6,758,000 | 6,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,945,000 | 13,701,000 | 14,518,000 | 14,442,000 |
| Interest-bearing deposits | 12,778,000 | 12,350,000 | 12,978,000 | 12,751,000 |
| Noninterest-bearing deposits | 2,167,000 | 1,351,000 | 1,540,000 | 1,691,000 |
| Equity capital | 2,828,000 | 2,955,000 | 2,900,000 | 2,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 221,000 | 450,000 | 683,000 | 912,000 |
| Interest expense | 60,000 | 129,000 | 208,000 | 296,000 |
| Net interest income | 161,000 | 321,000 | 475,000 | 616,000 |
| Noninterest income | 33,000 | 71,000 | 112,000 | 160,000 |
| Noninterest expense | 160,000 | 323,000 | 489,000 | 656,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 0 |
| Pretax income | 25,000 | 51,000 | 71,000 | 120,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 7,000 |
| Net income | 23,000 | 48,000 | 67,000 | 113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,919,000 | 2,943,000 | 2,954,000 | 3,000,000 |
| Total capital | 3,033,000 | 3,060,000 | 3,080,000 | 3,113,000 |
| Risk-weighted assets | 9,045,000 | 9,277,000 | 10,023,000 | 8,963,000 |