Call reports 2008
FIRST STATE BANK OF ROSCOE — 2008
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,784,000 | 67,186,000 | 68,326,000 | 71,673,000 |
| Total loans | 53,209,000 | 58,717,000 | 57,538,000 | 59,453,000 |
| Allowance for loan losses | 669,000 | 702,000 | 678,000 | 652,000 |
| Securities available for sale | 3,565,000 | 3,215,000 | 5,541,000 | 6,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,643,000 | 59,075,000 | 59,244,000 | 62,836,000 |
| Interest-bearing deposits | 56,693,000 | 55,007,000 | 54,401,000 | 57,077,000 |
| Noninterest-bearing deposits | 4,950,000 | 4,068,000 | 4,843,000 | 5,759,000 |
| Equity capital | 6,667,000 | 6,971,000 | 7,306,000 | 7,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,167,000 | 2,317,000 | 3,487,000 | 4,648,000 |
| Interest expense | 593,000 | 1,145,000 | 1,654,000 | 2,154,000 |
| Net interest income | 574,000 | 1,172,000 | 1,833,000 | 2,494,000 |
| Noninterest income | 39,000 | 80,000 | 127,000 | 169,000 |
| Noninterest expense | 433,000 | 683,000 | 1,067,000 | 1,601,000 |
| Provision for loan losses | 0 | 27,000 | 27,000 | 47,000 |
| Pretax income | 180,000 | 542,000 | 866,000 | 1,015,000 |
| Income tax | 65,000 | 92,000 | 85,000 | 201,000 |
| Net income | 115,000 | 450,000 | 781,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,377,000 | 6,711,000 | 7,043,000 | 6,776,000 |
| Total capital | 7,046,000 | 7,413,000 | 7,721,000 | 7,428,000 |
| Risk-weighted assets | 57,441,000 | 60,761,000 | 60,417,000 | 62,959,000 |
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