Call reports 2010
FIRST STATE BANK OF ROSCOE — 2010
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 84,840,000 | 85,391,000 | 86,095,000 | 87,338,000 |
| Total loans | 54,343,000 | 56,959,000 | 54,383,000 | 55,015,000 |
| Allowance for loan losses | 595,000 | 612,000 | 439,000 | 586,000 |
| Securities available for sale | 12,818,000 | 11,769,000 | 10,838,000 | 14,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,457,000 | 76,930,000 | 77,471,000 | 78,650,000 |
| Interest-bearing deposits | 71,279,000 | 71,994,000 | 72,230,000 | 72,119,000 |
| Noninterest-bearing deposits | 5,178,000 | 4,936,000 | 5,241,000 | 6,531,000 |
| Equity capital | 7,500,000 | 7,570,000 | 7,728,000 | 7,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,107,000 | 2,221,000 | 2,911,000 | 3,888,000 |
| Interest expense | 423,000 | 835,000 | 1,208,000 | 1,554,000 |
| Net interest income | 684,000 | 1,386,000 | 1,703,000 | 2,334,000 |
| Noninterest income | 41,000 | 92,000 | 143,000 | 188,000 |
| Noninterest expense | 416,000 | 981,000 | 1,277,000 | 1,693,000 |
| Provision for loan losses | 0 | 20,000 | 30,000 | 178,000 |
| Pretax income | 309,000 | 477,000 | 626,000 | 738,000 |
| Income tax | 5,000 | 11,000 | 17,000 | 20,000 |
| Net income | 304,000 | 466,000 | 609,000 | 718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,103,000 | 7,171,000 | 7,314,000 | 7,424,000 |
| Total capital | 7,698,000 | 7,783,000 | 7,753,000 | 8,010,000 |
| Risk-weighted assets | 60,355,000 | 61,513,000 | 60,004,000 | 59,697,000 |