Call reports 2007
FIRST STATE BANK OF ROSCOE — 2007
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 59,956,000 | 64,021,000 | 66,117,000 | 65,884,000 |
| Total loans | 47,715,000 | 52,898,000 | 55,128,000 | 55,878,000 |
| Allowance for loan losses | 804,000 | 619,000 | 645,000 | 651,000 |
| Securities available for sale | 8,410,000 | 6,570,000 | 6,442,000 | 4,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,648,000 | 53,086,000 | 55,555,000 | 58,162,000 |
| Interest-bearing deposits | 47,138,000 | 49,578,000 | 52,455,000 | 52,455,000 |
| Noninterest-bearing deposits | 3,510,000 | 3,508,000 | 3,100,000 | 5,707,000 |
| Equity capital | 6,306,000 | 6,368,000 | 6,612,000 | 6,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,268,000 | 3,492,000 | 4,701,000 |
| Interest expense | 512,000 | 1,069,000 | 1,666,000 | 2,319,000 |
| Net interest income | 589,000 | 1,199,000 | 1,826,000 | 2,382,000 |
| Noninterest income | 40,000 | 80,000 | 118,000 | 160,000 |
| Noninterest expense | 454,000 | 876,000 | 1,225,000 | 1,645,000 |
| Provision for loan losses | 0 | 30,000 | 40,000 | 40,000 |
| Pretax income | 175,000 | 375,000 | 677,000 | 856,000 |
| Income tax | 48,000 | 173,000 | 280,000 | 335,000 |
| Net income | 127,000 | 202,000 | 397,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,068,000 | 6,137,000 | 6,338,000 | 6,262,000 |
| Total capital | 6,698,000 | 6,756,000 | 6,983,000 | 6,913,000 |
| Risk-weighted assets | 50,259,000 | 54,526,000 | 58,119,000 | 58,652,000 |
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