Call reports 2024
FIRST STATE BANK OF ROSCOE — 2024
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 142,156,000 | 138,475,000 | 135,080,000 | 131,821,000 |
| Total loans | 66,182,000 | 71,650,000 | 76,222,000 | 75,201,000 |
| Allowance for loan losses | 1,432,000 | 1,046,000 | 1,048,000 | 949,000 |
| Securities available for sale | 35,583,000 | 31,902,000 | 27,431,000 | 26,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,935,000 | 117,202,000 | 115,821,000 | 111,250,000 |
| Interest-bearing deposits | 102,221,000 | 101,118,000 | 96,928,000 | 91,321,000 |
| Noninterest-bearing deposits | 19,714,000 | 16,084,000 | 18,893,000 | 19,929,000 |
| Equity capital | 16,052,000 | 16,869,000 | 17,801,000 | 18,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,715,000 | 3,384,000 | 5,082,000 | 6,787,000 |
| Interest expense | 750,000 | 1,377,000 | 2,024,000 | 2,651,000 |
| Net interest income | 965,000 | 2,007,000 | 3,058,000 | 4,136,000 |
| Noninterest income | 39,000 | 71,000 | 105,000 | 137,000 |
| Noninterest expense | 533,000 | 1,037,000 | 1,532,000 | 2,107,000 |
| Provision for loan losses | 0 | -385,000 | -385,000 | -485,000 |
| Pretax income | 471,000 | 1,426,000 | 2,016,000 | 2,651,000 |
| Income tax | 23,000 | 67,000 | 95,000 | 124,000 |
| Net income | 448,000 | 1,359,000 | 1,921,000 | 2,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,152,000 | 17,813,000 | 18,176,000 | 18,781,000 |
| Total capital | 18,088,000 | 18,798,000 | 19,218,000 | 19,730,000 |
| Risk-weighted assets | 74,397,000 | 78,773,000 | 83,371,000 | 81,967,000 |