Call reports 2004
ROSCOE STATE BANK, THE — 2004
What ROSCOE STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,925,000 | 53,166,000 | 53,855,000 | 55,638,000 |
| Total loans | 25,099,000 | 28,078,000 | 32,828,000 | 33,852,000 |
| Allowance for loan losses | 574,000 | 560,000 | 564,000 | 564,000 |
| Securities available for sale | 14,580,000 | 13,835,000 | 10,331,000 | 9,073,000 |
| Securities held to maturity | 8,068,000 | 7,799,000 | 6,944,000 | 6,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,175,000 | 46,972,000 | 48,015,000 | 49,947,000 |
| Interest-bearing deposits | 37,898,000 | 37,189,000 | 37,616,000 | 37,544,000 |
| Noninterest-bearing deposits | 10,277,000 | 9,783,000 | 10,399,000 | 12,403,000 |
| Equity capital | 5,622,000 | 5,387,000 | 5,730,000 | 5,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,290,000 | 1,991,000 | 2,719,000 |
| Interest expense | 115,000 | 235,000 | 363,000 | 502,000 |
| Net interest income | 507,000 | 1,055,000 | 1,628,000 | 2,217,000 |
| Noninterest income | 110,000 | 260,000 | 396,000 | 511,000 |
| Noninterest expense | 457,000 | 960,000 | 1,482,000 | 2,127,000 |
| Provision for loan losses | 15,000 | 25,000 | 26,000 | 26,000 |
| Pretax income | 179,000 | 387,000 | 582,000 | 646,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 179,000 | 387,000 | 582,000 | 646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,485,000 | 5,638,000 | 5,757,000 | 5,656,000 |
| Total capital | 5,874,000 | 6,047,000 | 6,219,000 | 6,145,000 |
| Risk-weighted assets | 30,937,000 | 32,607,000 | 36,874,000 | 39,088,000 |