Call reports 2020
FIRST STATE BANK OF ROSCOE — 2020
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 115,392,000 | 117,685,000 | 125,277,000 | 128,089,000 |
| Total loans | 80,572,000 | 84,442,000 | 81,272,000 | 74,280,000 |
| Allowance for loan losses | 1,245,000 | 1,290,000 | 1,372,000 | 1,376,000 |
| Securities available for sale | 5,259,000 | 5,138,000 | 5,650,000 | 7,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,280,000 | 99,180,000 | 107,459,000 | 110,027,000 |
| Interest-bearing deposits | 86,291,000 | 88,275,000 | 93,310,000 | 91,922,000 |
| Noninterest-bearing deposits | 10,989,000 | 10,905,000 | 14,149,000 | 18,105,000 |
| Equity capital | 14,225,000 | 14,659,000 | 13,973,000 | 14,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,167,000 | 2,308,000 | 3,440,000 | 4,451,000 |
| Interest expense | 326,000 | 634,000 | 890,000 | 1,138,000 |
| Net interest income | 841,000 | 1,674,000 | 2,550,000 | 3,313,000 |
| Noninterest income | 87,000 | 260,000 | 303,000 | 330,000 |
| Noninterest expense | 558,000 | 1,073,000 | 1,620,000 | 2,166,000 |
| Provision for loan losses | 0 | 90,000 | 182,000 | 182,000 |
| Pretax income | 370,000 | 771,000 | 1,051,000 | 1,295,000 |
| Income tax | 14,000 | 36,000 | 49,000 | 61,000 |
| Net income | 356,000 | 735,000 | 1,002,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,793,000 | 14,172,000 | 13,499,000 | 13,731,000 |
| Total capital | 14,881,000 | 15,273,000 | 14,554,000 | 14,718,000 |
| Risk-weighted assets | 86,903,000 | 87,876,000 | 84,050,000 | 78,572,000 |