Call reports 2016
ROCHELLE STATE BANK — 2016
What ROCHELLE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 31,039,000 | 30,115,000 | 29,168,000 | 29,456,000 |
| Total loans | 9,702,000 | 10,332,000 | 10,011,000 | 7,926,000 |
| Allowance for loan losses | 174,000 | 175,000 | 175,000 | 178,000 |
| Securities available for sale | 15,071,000 | 15,043,000 | 14,968,000 | 14,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,324,000 | 25,215,000 | 24,104,000 | 24,981,000 |
| Interest-bearing deposits | 23,784,000 | 23,777,000 | 22,385,000 | 22,556,000 |
| Noninterest-bearing deposits | 2,540,000 | 1,438,000 | 1,719,000 | 2,425,000 |
| Equity capital | 4,588,000 | 4,615,000 | 4,811,000 | 4,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 250,000 | 517,000 | 783,000 | 1,036,000 |
| Interest expense | 36,000 | 73,000 | 108,000 | 144,000 |
| Net interest income | 214,000 | 444,000 | 675,000 | 892,000 |
| Noninterest income | 32,000 | 65,000 | 101,000 | 135,000 |
| Noninterest expense | 216,000 | 430,000 | 638,000 | 785,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 85,000 | 134,000 | 193,000 | 294,000 |
| Income tax | 16,000 | 21,000 | 27,000 | 56,000 |
| Net income | 69,000 | 113,000 | 166,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,462,000 | 4,507,000 | 4,551,000 | 4,623,000 |
| Total capital | 4,636,000 | 4,682,000 | 4,726,000 | 4,789,000 |
| Risk-weighted assets | 14,761,000 | 14,950,000 | 14,694,000 | 13,319,000 |