Call reports 2008
ROCHELLE STATE BANK — 2008
What ROCHELLE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 21,715,000 | 21,432,000 | 19,002,000 | 19,019,000 |
| Total loans | 6,749,000 | 7,202,000 | 7,231,000 | 5,765,000 |
| Allowance for loan losses | 139,000 | 145,000 | 148,000 | 141,000 |
| Securities available for sale | 10,058,000 | 9,568,000 | 10,610,000 | 10,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,342,000 | 18,332,000 | 15,400,000 | 15,491,000 |
| Interest-bearing deposits | 15,434,000 | 15,207,000 | 14,169,000 | 13,836,000 |
| Noninterest-bearing deposits | 2,908,000 | 3,125,000 | 1,231,000 | 1,655,000 |
| Equity capital | 3,291,000 | 3,044,000 | 3,268,000 | 3,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 313,000 | 606,000 | 889,000 | 1,154,000 |
| Interest expense | 149,000 | 277,000 | 388,000 | 482,000 |
| Net interest income | 164,000 | 329,000 | 501,000 | 672,000 |
| Noninterest income | 39,000 | 78,000 | 127,000 | 159,000 |
| Noninterest expense | 184,000 | 361,000 | 543,000 | 723,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 25,000 | 59,000 | 95,000 | 121,000 |
| Income tax | 3,000 | 8,000 | 12,000 | 10,000 |
| Net income | 22,000 | 51,000 | 83,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,231,000 | 3,267,000 | 3,290,000 | 3,318,000 |
| Total capital | 3,349,000 | 3,391,000 | 3,408,000 | 3,420,000 |
| Risk-weighted assets | 9,459,000 | 9,924,000 | 9,403,000 | 8,105,000 |