Call reports 2006
FIRST STATE BANK OF ROSCOE — 2006
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 56,142,000 | 57,397,000 | 60,411,000 | 59,572,000 |
| Total loans | 44,317,000 | 46,838,000 | 49,045,000 | 46,365,000 |
| Allowance for loan losses | 832,000 | 826,000 | 824,000 | 814,000 |
| Securities available for sale | 8,370,000 | 6,938,000 | 7,063,000 | 8,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,172,000 | 48,577,000 | 49,977,000 | 51,523,000 |
| Interest-bearing deposits | 45,352,000 | 45,317,000 | 46,344,000 | 47,616,000 |
| Noninterest-bearing deposits | 3,820,000 | 3,260,000 | 3,633,000 | 3,907,000 |
| Equity capital | 6,066,000 | 6,177,000 | 6,396,000 | 6,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,001,000 | 1,960,000 | 2,985,000 | 4,065,000 |
| Interest expense | 390,000 | 820,000 | 1,282,000 | 1,849,000 |
| Net interest income | 611,000 | 1,140,000 | 1,703,000 | 2,216,000 |
| Noninterest income | 31,000 | 66,000 | 106,000 | 149,000 |
| Noninterest expense | 433,000 | 793,000 | 1,138,000 | 1,646,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 400,000 | 657,000 | 705,000 |
| Income tax | 91,000 | 153,000 | 241,000 | 246,000 |
| Net income | 118,000 | 247,000 | 416,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,890,000 | 6,019,000 | 6,188,000 | 5,941,000 |
| Total capital | 6,476,000 | 6,630,000 | 6,802,000 | 6,555,000 |
| Risk-weighted assets | 45,838,000 | 48,641,000 | 51,263,000 | 48,893,000 |
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