Call reports 2012
ROCHELLE STATE BANK — 2012
What ROCHELLE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 29,304,000 | 27,477,000 | 27,642,000 | 28,420,000 |
| Total loans | 8,571,000 | 8,878,000 | 8,164,000 | 7,116,000 |
| Allowance for loan losses | 223,000 | 232,000 | 216,000 | 218,000 |
| Securities available for sale | 12,081,000 | 12,824,000 | 12,981,000 | 13,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,987,000 | 22,990,000 | 23,039,000 | 23,878,000 |
| Interest-bearing deposits | 22,059,000 | 20,687,000 | 21,324,000 | 21,864,000 |
| Noninterest-bearing deposits | 2,928,000 | 2,303,000 | 1,715,000 | 2,014,000 |
| Equity capital | 4,113,000 | 4,240,000 | 4,294,000 | 4,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 240,000 | 497,000 | 703,000 | 937,000 |
| Interest expense | 53,000 | 102,000 | 149,000 | 197,000 |
| Net interest income | 187,000 | 395,000 | 554,000 | 740,000 |
| Noninterest income | 44,000 | 84,000 | 126,000 | 158,000 |
| Noninterest expense | 206,000 | 409,000 | 607,000 | 797,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 169,000 | 210,000 | 208,000 | 302,000 |
| Income tax | 49,000 | 60,000 | 66,000 | 89,000 |
| Net income | 120,000 | 150,000 | 142,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,879,000 | 3,909,000 | 3,894,000 | 3,965,000 |
| Total capital | 4,041,000 | 4,069,000 | 4,046,000 | 4,115,000 |
| Risk-weighted assets | 12,927,000 | 12,749,000 | 12,611,000 | 11,933,000 |