Call reports 2010
ROCHELLE STATE BANK — 2010
What ROCHELLE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 23,351,000 | 22,434,000 | 22,255,000 | 22,453,000 |
| Total loans | 8,033,000 | 9,100,000 | 8,596,000 | 7,180,000 |
| Allowance for loan losses | 223,000 | 231,000 | 236,000 | 212,000 |
| Securities available for sale | 10,229,000 | 10,086,000 | 9,895,000 | 9,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,633,000 | 18,502,000 | 18,134,000 | 18,608,000 |
| Interest-bearing deposits | 17,645,000 | 17,187,000 | 17,030,000 | 16,080,000 |
| Noninterest-bearing deposits | 1,988,000 | 1,315,000 | 1,104,000 | 2,528,000 |
| Equity capital | 3,610,000 | 3,807,000 | 3,935,000 | 3,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 230,000 | 486,000 | 737,000 | 972,000 |
| Interest expense | 71,000 | 137,000 | 203,000 | 265,000 |
| Net interest income | 159,000 | 349,000 | 534,000 | 707,000 |
| Noninterest income | 47,000 | 83,000 | 121,000 | 163,000 |
| Noninterest expense | 187,000 | 379,000 | 566,000 | 753,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 50,000 | 108,000 | 141,000 | 166,000 |
| Income tax | 7,000 | 13,000 | 22,000 | 18,000 |
| Net income | 43,000 | 95,000 | 119,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,463,000 | 3,514,000 | 3,531,000 | 3,559,000 |
| Total capital | 3,602,000 | 3,661,000 | 3,673,000 | 3,688,000 |
| Risk-weighted assets | 11,010,000 | 11,673,000 | 11,242,000 | 10,265,000 |