Call reports 2015
FIRST STATE BANK OF ROSCOE — 2015
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 101,957,000 | 103,850,000 | 101,503,000 | 103,617,000 |
| Total loans | 72,088,000 | 77,006,000 | 79,060,000 | 83,078,000 |
| Allowance for loan losses | 834,000 | 854,000 | 864,000 | 897,000 |
| Securities available for sale | 8,340,000 | 9,552,000 | 9,125,000 | 8,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,668,000 | 91,123,000 | 89,161,000 | 89,663,000 |
| Interest-bearing deposits | 81,200,000 | 84,378,000 | 81,501,000 | 79,898,000 |
| Noninterest-bearing deposits | 8,468,000 | 6,745,000 | 7,660,000 | 9,765,000 |
| Equity capital | 11,719,000 | 12,159,000 | 11,746,000 | 12,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 969,000 | 2,029,000 | 3,096,000 | 4,182,000 |
| Interest expense | 136,000 | 282,000 | 428,000 | 571,000 |
| Net interest income | 833,000 | 1,747,000 | 2,668,000 | 3,611,000 |
| Noninterest income | 41,000 | 73,000 | 106,000 | 138,000 |
| Noninterest expense | 478,000 | 891,000 | 1,327,000 | 1,849,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 70,000 |
| Pretax income | 396,000 | 909,000 | 1,427,000 | 1,830,000 |
| Income tax | 11,000 | 34,000 | 48,000 | 67,000 |
| Net income | 385,000 | 875,000 | 1,379,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,445,000 | 11,950,000 | 11,433,000 | 11,818,000 |
| Total capital | 12,279,000 | 12,804,000 | 12,297,000 | 12,715,000 |
| Risk-weighted assets | 79,198,000 | 84,090,000 | 85,903,000 | 90,058,000 |