Call reports 2005
FIRST STATE BANK OF ROSCOE — 2005
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 58,145,000 | 58,891,000 | 59,535,000 | 56,674,000 |
| Total loans | 42,354,000 | 47,728,000 | 46,833,000 | 43,171,000 |
| Allowance for loan losses | 743,000 | 714,000 | 875,000 | 878,000 |
| Securities available for sale | 8,630,000 | 8,196,000 | 7,644,000 | 8,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,362,000 | 49,789,000 | 52,652,000 | 49,833,000 |
| Interest-bearing deposits | 46,726,000 | 46,088,000 | 48,285,000 | 45,708,000 |
| Noninterest-bearing deposits | 4,636,000 | 3,701,000 | 4,367,000 | 4,125,000 |
| Equity capital | 5,764,000 | 6,026,000 | 6,109,000 | 5,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 825,000 | 1,766,000 | 2,739,000 | 3,623,000 |
| Interest expense | 290,000 | 608,000 | 979,000 | 1,353,000 |
| Net interest income | 535,000 | 1,158,000 | 1,760,000 | 2,270,000 |
| Noninterest income | 33,000 | 48,000 | 98,000 | 129,000 |
| Noninterest expense | 312,000 | 608,000 | 907,000 | 1,362,000 |
| Provision for loan losses | 25,000 | 25,000 | 200,000 | 200,000 |
| Pretax income | 231,000 | 572,000 | 750,000 | 836,000 |
| Income tax | 84,000 | 196,000 | 268,000 | 289,000 |
| Net income | 147,000 | 376,000 | 482,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,562,000 | 5,791,000 | 5,896,000 | 5,772,000 |
| Total capital | 6,129,000 | 6,414,000 | 6,514,000 | 6,352,000 |
| Risk-weighted assets | 44,411,000 | 48,980,000 | 48,407,000 | 45,320,000 |
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