Call reports 2025
FIRST STATE BANK OF ROSCOE — 2025
What FIRST STATE BANK OF ROSCOE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 138,085,000 | 138,564,000 | 139,131,000 | 146,777,000 |
| Total loans | 73,750,000 | 73,174,000 | 71,892,000 | 73,762,000 |
| Allowance for loan losses | 967,000 | 969,000 | 973,000 | 951,000 |
| Securities available for sale | 28,191,000 | 31,868,000 | 30,499,000 | 29,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,137,000 | 117,924,000 | 118,239,000 | 125,028,000 |
| Interest-bearing deposits | 99,669,000 | 98,093,000 | 97,509,000 | 101,621,000 |
| Noninterest-bearing deposits | 18,468,000 | 19,831,000 | 20,730,000 | 23,407,000 |
| Equity capital | 18,744,000 | 19,258,000 | 19,514,000 | 20,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,730,000 | 3,495,000 | 5,257,000 | 7,032,000 |
| Interest expense | 605,000 | 1,221,000 | 1,839,000 | 2,449,000 |
| Net interest income | 1,125,000 | 2,274,000 | 3,418,000 | 4,583,000 |
| Noninterest income | 35,000 | 66,000 | 103,000 | 130,000 |
| Noninterest expense | 565,000 | 1,068,000 | 1,552,000 | 2,149,000 |
| Provision for loan losses | 0 | 0 | 0 | -25,000 |
| Pretax income | 595,000 | 1,272,000 | 1,969,000 | 2,589,000 |
| Income tax | 29,000 | 55,000 | 88,000 | 126,000 |
| Net income | 566,000 | 1,217,000 | 1,881,000 | 2,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,097,000 | 19,449,000 | 19,612,000 | 20,194,000 |
| Total capital | 20,064,000 | 20,418,000 | 20,584,000 | 21,145,000 |
| Risk-weighted assets | 81,237,000 | 80,191,000 | 80,505,000 | 84,868,000 |