Call reports 2003
ROSCOE STATE BANK, THE — 2003
What ROSCOE STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 50,908,000 | 51,708,000 | 50,931,000 | 51,277,000 |
| Total loans | 23,833,000 | 27,055,000 | 28,856,000 | 28,664,000 |
| Allowance for loan losses | 609,000 | 605,000 | 575,000 | 556,000 |
| Securities available for sale | 11,561,000 | 11,261,000 | 9,817,000 | 10,946,000 |
| Securities held to maturity | 9,520,000 | 9,260,000 | 8,699,000 | 8,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,184,000 | 45,467,000 | 45,201,000 | 44,699,000 |
| Interest-bearing deposits | 36,284,000 | 36,688,000 | 36,199,000 | 36,003,000 |
| Noninterest-bearing deposits | 8,900,000 | 8,779,000 | 9,002,000 | 8,696,000 |
| Equity capital | 5,600,000 | 5,620,000 | 5,600,000 | 5,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 636,000 | 1,271,000 | 1,922,000 | 2,580,000 |
| Interest expense | 133,000 | 265,000 | 389,000 | 506,000 |
| Net interest income | 503,000 | 1,006,000 | 1,533,000 | 2,074,000 |
| Noninterest income | 101,000 | 221,000 | 376,000 | 522,000 |
| Noninterest expense | 368,000 | 764,000 | 1,181,000 | 1,760,000 |
| Provision for loan losses | 6,000 | 16,000 | 26,000 | 36,000 |
| Pretax income | 237,000 | 454,000 | 709,000 | 807,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 237,000 | 454,000 | 709,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,276,000 | 5,338,000 | 5,443,000 | 5,415,000 |
| Total capital | 5,635,000 | 5,730,000 | 5,852,000 | 5,827,000 |
| Risk-weighted assets | 28,491,000 | 31,210,000 | 32,599,000 | 32,787,000 |