Call reports 2009
ROCHELLE STATE BANK — 2009
What ROCHELLE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 19,871,000 | 19,926,000 | 20,064,000 | 20,919,000 |
| Total loans | 6,794,000 | 7,271,000 | 7,644,000 | 7,024,000 |
| Allowance for loan losses | 159,000 | 157,000 | 157,000 | 217,000 |
| Securities available for sale | 9,791,000 | 9,737,000 | 9,688,000 | 9,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,258,000 | 16,527,000 | 16,298,000 | 17,320,000 |
| Interest-bearing deposits | 14,787,000 | 15,260,000 | 15,001,000 | 15,500,000 |
| Noninterest-bearing deposits | 1,471,000 | 1,267,000 | 1,297,000 | 1,820,000 |
| Equity capital | 3,484,000 | 3,331,000 | 3,619,000 | 3,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 489,000 | 732,000 | 954,000 |
| Interest expense | 78,000 | 157,000 | 234,000 | 308,000 |
| Net interest income | 164,000 | 332,000 | 498,000 | 646,000 |
| Noninterest income | 30,000 | 63,000 | 96,000 | 186,000 |
| Noninterest expense | 185,000 | 386,000 | 578,000 | 773,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 6,000 | 50,000 | 54,000 | 121,000 |
| Income tax | 0 | 5,000 | 5,000 | 12,000 |
| Net income | 6,000 | 45,000 | 49,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,325,000 | 3,364,000 | 3,360,000 | 3,419,000 |
| Total capital | 3,439,000 | 3,483,000 | 3,487,000 | 3,542,000 |
| Risk-weighted assets | 9,062,000 | 9,514,000 | 10,112,000 | 9,751,000 |