Call reports 2003
FIRST STATE BANK OF ROSCOE — 2003
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 52,233,000 | 52,359,000 | 52,886,000 | 54,484,000 |
| Total loans | 37,005,000 | 40,467,000 | 39,898,000 | 38,989,000 |
| Allowance for loan losses | 522,000 | 503,000 | 529,000 | 792,000 |
| Securities available for sale | 8,173,000 | 6,877,000 | 7,532,000 | 9,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,511,000 | 46,470,000 | 46,957,000 | 49,012,000 |
| Interest-bearing deposits | 42,974,000 | 43,014,000 | 43,421,000 | 44,750,000 |
| Noninterest-bearing deposits | 3,537,000 | 3,456,000 | 3,536,000 | 4,262,000 |
| Equity capital | 4,835,000 | 4,998,000 | 5,162,000 | 4,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 863,000 | 1,739,000 | 2,620,000 | 3,441,000 |
| Interest expense | 360,000 | 704,000 | 1,036,000 | 1,354,000 |
| Net interest income | 503,000 | 1,035,000 | 1,584,000 | 2,087,000 |
| Noninterest income | 57,000 | 107,000 | 143,000 | 189,000 |
| Noninterest expense | 275,000 | 483,000 | 758,000 | 1,069,000 |
| Provision for loan losses | 25,000 | 100,000 | 135,000 | 518,000 |
| Pretax income | 262,000 | 618,000 | 893,000 | 748,000 |
| Income tax | 83,000 | 225,000 | 311,000 | 243,000 |
| Net income | 179,000 | 393,000 | 582,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,441,000 | 4,655,000 | 4,844,000 | 4,586,000 |
| Total capital | 4,959,000 | 5,158,000 | 5,373,000 | 5,106,000 |
| Risk-weighted assets | 41,405,000 | 43,765,000 | 43,835,000 | 41,339,000 |
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