Call reports 2012
FIRST STATE BANK OF ROSCOE — 2012
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,147,000 | 95,815,000 | 96,061,000 | 93,101,000 |
| Total loans | 60,704,000 | 64,419,000 | 62,291,000 | 67,143,000 |
| Allowance for loan losses | 742,000 | 730,000 | 732,000 | 837,000 |
| Securities available for sale | 12,050,000 | 8,110,000 | 7,879,000 | 8,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,525,000 | 85,986,000 | 86,154,000 | 83,075,000 |
| Interest-bearing deposits | 80,245,000 | 80,087,000 | 78,099,000 | 73,874,000 |
| Noninterest-bearing deposits | 7,280,000 | 5,899,000 | 8,055,000 | 9,201,000 |
| Equity capital | 8,926,000 | 9,130,000 | 9,218,000 | 9,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,168,000 | 3,128,000 | 4,022,000 |
| Interest expense | 250,000 | 484,000 | 704,000 | 894,000 |
| Net interest income | 973,000 | 1,684,000 | 2,424,000 | 3,128,000 |
| Noninterest income | 33,000 | 68,000 | 105,000 | 142,000 |
| Noninterest expense | 458,000 | 916,000 | 1,454,000 | 1,993,000 |
| Provision for loan losses | 0 | 110,000 | 110,000 | 110,000 |
| Pretax income | 552,000 | 746,000 | 1,043,000 | 1,245,000 |
| Income tax | 32,000 | 38,000 | 52,000 | 56,000 |
| Net income | 520,000 | 708,000 | 991,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,540,000 | 8,728,000 | 8,870,000 | 9,068,000 |
| Total capital | 9,282,000 | 9,458,000 | 9,602,000 | 9,905,000 |
| Risk-weighted assets | 64,353,000 | 69,058,000 | 68,150,000 | 72,285,000 |