Call reports 2014
ROCHELLE STATE BANK — 2014
What ROCHELLE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 28,806,000 | 27,384,000 | 27,434,000 | 27,832,000 |
| Total loans | 7,968,000 | 7,995,000 | 8,061,000 | 7,340,000 |
| Allowance for loan losses | 220,000 | 116,000 | 122,000 | 106,000 |
| Securities available for sale | 15,147,000 | 15,293,000 | 15,605,000 | 15,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,986,000 | 23,370,000 | 23,333,000 | 23,590,000 |
| Interest-bearing deposits | 23,484,000 | 22,187,000 | 21,761,000 | 22,031,000 |
| Noninterest-bearing deposits | 1,502,000 | 1,183,000 | 1,572,000 | 1,559,000 |
| Equity capital | 3,783,000 | 3,986,000 | 4,050,000 | 4,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 238,000 | 487,000 | 729,000 | 978,000 |
| Interest expense | 38,000 | 76,000 | 113,000 | 148,000 |
| Net interest income | 200,000 | 411,000 | 616,000 | 830,000 |
| Noninterest income | 37,000 | 76,000 | 124,000 | 152,000 |
| Noninterest expense | 208,000 | 416,000 | 628,000 | 862,000 |
| Provision for loan losses | 3,000 | 6,000 | 11,000 | 14,000 |
| Pretax income | 29,000 | 115,000 | 150,000 | 173,000 |
| Income tax | 6,000 | 25,000 | 32,000 | 36,000 |
| Net income | 23,000 | 90,000 | 118,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,160,000 | 4,226,000 | 4,246,000 | 4,265,000 |
| Total capital | 4,333,000 | 4,342,000 | 4,368,000 | 4,371,000 |
| Risk-weighted assets | 13,787,000 | 13,451,000 | 13,475,000 | 12,874,000 |