Call reports 2020
ROCHELLE STATE BANK — 2020
What ROCHELLE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 31,665,000 | 31,768,000 | 32,800,000 | 31,768,000 |
| Total loans | 9,857,000 | 10,398,000 | 10,179,000 | 7,654,000 |
| Allowance for loan losses | 531,000 | 533,000 | 137,000 | 137,000 |
| Securities available for sale | 11,407,000 | 10,858,000 | 15,349,000 | 14,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,661,000 | 26,676,000 | 27,793,000 | 26,710,000 |
| Interest-bearing deposits | 23,756,000 | 23,894,000 | 23,571,000 | 24,415,000 |
| Noninterest-bearing deposits | 2,905,000 | 2,782,000 | 4,222,000 | 2,295,000 |
| Equity capital | 4,945,000 | 5,003,000 | 4,880,000 | 4,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 472,000 | 670,000 | 896,000 |
| Interest expense | 93,000 | 187,000 | 248,000 | 326,000 |
| Net interest income | 149,000 | 285,000 | 422,000 | 570,000 |
| Noninterest income | 33,000 | 44,000 | 79,000 | 112,000 |
| Noninterest expense | 228,000 | 455,000 | 659,000 | 875,000 |
| Provision for loan losses | 2,000 | 6,000 | 74,000 | 7,000 |
| Pretax income | 33,000 | 116,000 | 16,000 | 110,000 |
| Income tax | 5,000 | 28,000 | 28,000 | -11,000 |
| Net income | 28,000 | 88,000 | -12,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,810,000 | 4,871,000 | 4,770,000 | 4,903,000 |
| Total capital | 4,995,000 | 5,093,000 | 4,907,000 | 5,040,000 |
| Risk-weighted assets | 14,490,000 | 17,425,000 | 16,748,000 | 14,850,000 |