Call reports 2015
ROCHELLE STATE BANK — 2015
What ROCHELLE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 30,141,000 | 29,228,000 | 28,611,000 | 30,583,000 |
| Total loans | 8,432,000 | 8,960,000 | 8,641,000 | 7,881,000 |
| Allowance for loan losses | 176,000 | 190,000 | 189,000 | 190,000 |
| Securities available for sale | 14,344,000 | 15,479,000 | 15,490,000 | 15,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,681,000 | 25,067,000 | 24,225,000 | 26,170,000 |
| Interest-bearing deposits | 24,157,000 | 23,802,000 | 22,497,000 | 23,610,000 |
| Noninterest-bearing deposits | 1,524,000 | 1,265,000 | 1,728,000 | 2,560,000 |
| Equity capital | 4,379,000 | 4,130,000 | 4,316,000 | 4,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 234,000 | 479,000 | 727,000 | 966,000 |
| Interest expense | 36,000 | 74,000 | 110,000 | 147,000 |
| Net interest income | 198,000 | 405,000 | 617,000 | 819,000 |
| Noninterest income | 36,000 | 68,000 | 105,000 | 140,000 |
| Noninterest expense | 223,000 | 444,000 | 659,000 | 862,000 |
| Provision for loan losses | 3,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 18,000 | 52,000 | 101,000 | 140,000 |
| Income tax | 5,000 | 11,000 | 23,000 | 3,000 |
| Net income | 13,000 | 41,000 | 78,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,278,000 | 4,306,000 | 4,335,000 | 4,393,000 |
| Total capital | 4,454,000 | 4,496,000 | 4,524,000 | 4,560,000 |
| Risk-weighted assets | 27,638,000 | 26,325,000 | 25,424,000 | 13,449,000 |