Call reports 2013
FIRST STATE BANK OF ROSCOE — 2013
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 100,397,000 | 95,063,000 | 90,761,000 | 91,664,000 |
| Total loans | 61,603,000 | 63,759,000 | 69,140,000 | 75,070,000 |
| Allowance for loan losses | 837,000 | 733,000 | 735,000 | 719,000 |
| Securities available for sale | 8,381,000 | 8,708,000 | 9,506,000 | 8,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,231,000 | 85,383,000 | 80,860,000 | 81,400,000 |
| Interest-bearing deposits | 80,973,000 | 78,117,000 | 74,596,000 | 71,843,000 |
| Noninterest-bearing deposits | 9,258,000 | 7,266,000 | 6,264,000 | 9,557,000 |
| Equity capital | 9,574,000 | 9,122,000 | 9,352,000 | 9,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 980,000 | 1,873,000 | 2,823,000 | 3,817,000 |
| Interest expense | 170,000 | 312,000 | 446,000 | 571,000 |
| Net interest income | 810,000 | 1,561,000 | 2,377,000 | 3,246,000 |
| Noninterest income | 31,000 | 61,000 | 92,000 | 122,000 |
| Noninterest expense | 625,000 | 1,107,000 | 1,581,000 | 1,968,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 42,000 |
| Pretax income | 216,000 | 513,000 | 886,000 | 1,358,000 |
| Income tax | 6,000 | 15,000 | 29,000 | 50,000 |
| Net income | 210,000 | 498,000 | 857,000 | 1,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,278,000 | 9,066,000 | 9,305,000 | 9,756,000 |
| Total capital | 10,115,000 | 9,799,000 | 10,040,000 | 10,475,000 |
| Risk-weighted assets | 66,229,000 | 67,490,000 | 72,370,000 | 76,979,000 |