Call reports 2005
ROSCOE STATE BANK, THE — 2005
What ROSCOE STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 60,286,000 | 63,195,000 | 64,015,000 | 68,186,000 |
| Total loans | 32,612,000 | 36,464,000 | 38,300,000 | 36,701,000 |
| Allowance for loan losses | 573,000 | 528,000 | 604,000 | 601,000 |
| Securities available for sale | 13,552,000 | 16,364,000 | 15,298,000 | 18,972,000 |
| Securities held to maturity | 5,734,000 | 5,684,000 | 5,204,000 | 5,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,681,000 | 56,670,000 | 57,571,000 | 62,408,000 |
| Interest-bearing deposits | 40,312,000 | 43,150,000 | 43,133,000 | 47,857,000 |
| Noninterest-bearing deposits | 14,369,000 | 13,520,000 | 14,438,000 | 14,551,000 |
| Equity capital | 5,466,000 | 5,640,000 | 5,692,000 | 5,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,643,000 | 2,580,000 | 3,591,000 |
| Interest expense | 160,000 | 364,000 | 608,000 | 924,000 |
| Net interest income | 630,000 | 1,279,000 | 1,972,000 | 2,667,000 |
| Noninterest income | 111,000 | 222,000 | 357,000 | 493,000 |
| Noninterest expense | 593,000 | 1,190,000 | 1,811,000 | 2,554,000 |
| Provision for loan losses | 16,000 | 31,000 | 47,000 | 63,000 |
| Pretax income | 130,000 | 278,000 | 469,000 | 534,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 130,000 | 278,000 | 469,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,711,000 | 5,784,000 | 5,900,000 | 5,865,000 |
| Total capital | 6,184,000 | 6,310,000 | 6,451,000 | 6,415,000 |
| Risk-weighted assets | 37,747,000 | 42,084,000 | 44,024,000 | 43,975,000 |