Call reports 2023
ROCHELLE STATE BANK — 2023
What ROCHELLE STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 57,154,000 | 56,849,000 | 59,057,000 | 61,047,000 |
| Total loans | 36,177,000 | 37,555,000 | 41,200,000 | 42,594,000 |
| Allowance for loan losses | 316,000 | 333,000 | 365,000 | 399,000 |
| Securities available for sale | 9,949,000 | 9,872,000 | 9,638,000 | 10,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,179,000 | 48,019,000 | 50,477,000 | 53,481,000 |
| Interest-bearing deposits | 41,796,000 | 36,838,000 | 40,229,000 | 41,598,000 |
| Noninterest-bearing deposits | 6,382,000 | 11,181,000 | 10,248,000 | 11,883,000 |
| Equity capital | 8,714,000 | 8,603,000 | 8,321,000 | 6,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 645,000 | 1,355,000 | 2,107,000 | 2,947,000 |
| Interest expense | 172,000 | 409,000 | 712,000 | 1,138,000 |
| Net interest income | 473,000 | 946,000 | 1,395,000 | 1,809,000 |
| Noninterest income | 28,000 | 62,000 | 87,000 | 117,000 |
| Noninterest expense | 584,000 | 1,193,000 | 1,874,000 | 3,659,000 |
| Provision for loan losses | 56,000 | 73,000 | 113,000 | 322,000 |
| Pretax income | -208,000 | -284,000 | -524,000 | -2,088,000 |
| Income tax | -53,000 | -73,000 | -134,000 | 162,000 |
| Net income | -155,000 | -211,000 | -390,000 | -2,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,548,000 | 8,506,000 | 8,428,000 | 6,994,000 |
| Total capital | 8,864,000 | 8,839,000 | 8,793,000 | 7,393,000 |
| Risk-weighted assets | 41,227,000 | 43,234,000 | 46,571,000 | 47,537,000 |