Call reports 2013
ROCHELLE STATE BANK — 2013
What ROCHELLE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 29,603,000 | 28,279,000 | 26,641,000 | 26,611,000 |
| Total loans | 7,766,000 | 7,945,000 | 7,653,000 | 7,230,000 |
| Allowance for loan losses | 219,000 | 219,000 | 213,000 | 213,000 |
| Securities available for sale | 14,326,000 | 13,656,000 | 14,004,000 | 14,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,271,000 | 24,563,000 | 22,974,000 | 22,987,000 |
| Interest-bearing deposits | 23,570,000 | 22,703,000 | 21,003,000 | 21,231,000 |
| Noninterest-bearing deposits | 1,701,000 | 1,860,000 | 1,971,000 | 1,756,000 |
| Equity capital | 4,191,000 | 3,683,000 | 3,605,000 | 3,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 468,000 | 709,000 | 949,000 |
| Interest expense | 47,000 | 88,000 | 127,000 | 166,000 |
| Net interest income | 175,000 | 380,000 | 582,000 | 783,000 |
| Noninterest income | 31,000 | 69,000 | 112,000 | 155,000 |
| Noninterest expense | 212,000 | 374,000 | 570,000 | 787,000 |
| Provision for loan losses | 4,000 | 9,000 | 13,000 | 18,000 |
| Pretax income | 34,000 | 150,000 | 195,000 | 217,000 |
| Income tax | 12,000 | 39,000 | 49,000 | 38,000 |
| Net income | 22,000 | 111,000 | 146,000 | 179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,986,000 | 4,076,000 | 4,102,000 | 4,136,000 |
| Total capital | 4,147,000 | 4,243,000 | 4,260,000 | 4,292,000 |
| Risk-weighted assets | 12,796,000 | 13,287,000 | 12,590,000 | 12,448,000 |