Call reports 2011
FIRST STATE BANK OF ROSCOE — 2011
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 89,642,000 | 89,391,000 | 89,161,000 | 98,058,000 |
| Total loans | 52,653,000 | 57,243,000 | 60,298,000 | 61,183,000 |
| Allowance for loan losses | 598,000 | 603,000 | 690,000 | 741,000 |
| Securities available for sale | 13,512,000 | 12,079,000 | 9,963,000 | 12,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,795,000 | 80,243,000 | 79,632,000 | 88,390,000 |
| Interest-bearing deposits | 75,807,000 | 75,411,000 | 74,030,000 | 76,298,000 |
| Noninterest-bearing deposits | 4,988,000 | 4,832,000 | 5,602,000 | 12,092,000 |
| Equity capital | 8,034,000 | 8,341,000 | 8,735,000 | 8,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 952,000 | 1,976,000 | 3,071,000 | 4,018,000 |
| Interest expense | 327,000 | 638,000 | 933,000 | 1,210,000 |
| Net interest income | 625,000 | 1,338,000 | 2,138,000 | 2,808,000 |
| Noninterest income | 34,000 | 71,000 | 115,000 | 156,000 |
| Noninterest expense | 428,000 | 887,000 | 1,257,000 | 1,724,000 |
| Provision for loan losses | 10,000 | 13,000 | 96,000 | 146,000 |
| Pretax income | 221,000 | 509,000 | 900,000 | 1,145,000 |
| Income tax | 13,000 | 38,000 | 40,000 | 54,000 |
| Net income | 208,000 | 471,000 | 860,000 | 1,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,631,000 | 7,894,000 | 8,283,000 | 8,515,000 |
| Total capital | 8,229,000 | 8,497,000 | 8,972,000 | 9,256,000 |
| Risk-weighted assets | 58,165,000 | 62,064,000 | 64,814,000 | 67,504,000 |