Call reports 2019
FIRST STATE BANK OF ROSCOE — 2019
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 105,745,000 | 105,406,000 | 109,821,000 | 117,321,000 |
| Total loans | 86,174,000 | 87,620,000 | 85,870,000 | 81,103,000 |
| Allowance for loan losses | 1,177,000 | 1,282,000 | 1,282,000 | 1,252,000 |
| Securities available for sale | 4,228,000 | 4,306,000 | 4,228,000 | 3,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,220,000 | 90,423,000 | 92,471,000 | 99,557,000 |
| Interest-bearing deposits | 81,928,000 | 81,869,000 | 81,436,000 | 86,219,000 |
| Noninterest-bearing deposits | 9,292,000 | 8,554,000 | 11,035,000 | 13,338,000 |
| Equity capital | 13,719,000 | 14,102,000 | 13,450,000 | 13,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,373,000 | 3,613,000 | 4,811,000 |
| Interest expense | 278,000 | 578,000 | 899,000 | 1,232,000 |
| Net interest income | 887,000 | 1,795,000 | 2,714,000 | 3,579,000 |
| Noninterest income | 40,000 | 74,000 | 124,000 | 165,000 |
| Noninterest expense | 534,000 | 1,037,000 | 1,532,000 | 2,057,000 |
| Provision for loan losses | 50,000 | 155,000 | 175,000 | 175,000 |
| Pretax income | 343,000 | 677,000 | 1,131,000 | 1,512,000 |
| Income tax | 21,000 | 43,000 | 60,000 | 78,000 |
| Net income | 322,000 | 634,000 | 1,071,000 | 1,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,424,000 | 13,738,000 | 13,075,000 | 13,437,000 |
| Total capital | 14,539,000 | 14,858,000 | 14,199,000 | 14,538,000 |
| Risk-weighted assets | 89,159,000 | 89,459,000 | 89,770,000 | 87,914,000 |