Call reports 2004
FIRST STATE BANK OF ROSCOE — 2004
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,392,000 | 55,945,000 | 55,519,000 | 57,613,000 |
| Total loans | 39,902,000 | 44,941,000 | 45,597,000 | 43,594,000 |
| Allowance for loan losses | 779,000 | 886,000 | 1,043,000 | 830,000 |
| Securities available for sale | 8,807,000 | 7,916,000 | 6,559,000 | 8,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,632,000 | 49,311,000 | 49,172,000 | 51,338,000 |
| Interest-bearing deposits | 46,002,000 | 46,080,000 | 46,071,000 | 45,970,000 |
| Noninterest-bearing deposits | 3,630,000 | 3,231,000 | 3,101,000 | 5,368,000 |
| Equity capital | 5,079,000 | 5,530,000 | 5,667,000 | 5,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,733,000 | 2,644,000 | 3,463,000 |
| Interest expense | 301,000 | 589,000 | 888,000 | 1,183,000 |
| Net interest income | 544,000 | 1,144,000 | 1,756,000 | 2,280,000 |
| Noninterest income | 43,000 | 94,000 | 131,000 | 171,000 |
| Noninterest expense | 306,000 | 530,000 | 786,000 | 1,160,000 |
| Provision for loan losses | 25,000 | 150,000 | 475,000 | 475,000 |
| Pretax income | 256,000 | 558,000 | 618,000 | 808,000 |
| Income tax | 96,000 | 191,000 | 221,000 | 289,000 |
| Net income | 160,000 | 367,000 | 397,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,746,000 | 5,352,000 | 5,393,000 | 5,415,000 |
| Total capital | 5,278,000 | 5,926,000 | 5,985,000 | 5,982,000 |
| Risk-weighted assets | 42,293,000 | 45,646,000 | 46,132,000 | 45,054,000 |
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