Call reports 2006
ROCHELLE STATE BANK — 2006
What ROCHELLE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 18,392,000 | 17,918,000 | 18,904,000 | 18,334,000 |
| Total loans | 7,316,000 | 7,775,000 | 7,672,000 | 6,299,000 |
| Allowance for loan losses | 201,000 | 188,000 | 194,000 | 181,000 |
| Securities available for sale | 5,961,000 | 5,782,000 | 5,897,000 | 5,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,390,000 | 14,971,000 | 15,791,000 | 15,201,000 |
| Interest-bearing deposits | 13,599,000 | 13,446,000 | 14,272,000 | 13,593,000 |
| Noninterest-bearing deposits | 1,791,000 | 1,525,000 | 1,519,000 | 1,608,000 |
| Equity capital | 2,935,000 | 2,893,000 | 3,031,000 | 3,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 271,000 | 552,000 | 843,000 | 1,122,000 |
| Interest expense | 99,000 | 213,000 | 332,000 | 454,000 |
| Net interest income | 172,000 | 339,000 | 511,000 | 668,000 |
| Noninterest income | 36,000 | 79,000 | 115,000 | 148,000 |
| Noninterest expense | 170,000 | 343,000 | 517,000 | 676,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 35,000 | 69,000 | 100,000 | 128,000 |
| Income tax | 4,000 | 10,000 | 13,000 | 8,000 |
| Net income | 31,000 | 59,000 | 87,000 | 120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,033,000 | 3,061,000 | 3,081,000 | 3,113,000 |
| Total capital | 3,154,000 | 3,187,000 | 3,210,000 | 3,225,000 |
| Risk-weighted assets | 9,616,000 | 10,046,000 | 10,267,000 | 8,890,000 |