Call reports 2006
ROSCOE STATE BANK, THE — 2006
What ROSCOE STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 75,421,000 | 76,507,000 | 81,852,000 | 84,117,000 |
| Total loans | 31,638,000 | 31,364,000 | 37,689,000 | 35,231,000 |
| Allowance for loan losses | 609,000 | 602,000 | 592,000 | 598,000 |
| Securities available for sale | 33,213,000 | 32,508,000 | 33,257,000 | 35,951,000 |
| Securities held to maturity | 4,611,000 | 4,323,000 | 3,682,000 | 3,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,015,000 | 69,264,000 | 70,969,000 | 75,267,000 |
| Interest-bearing deposits | 52,207,000 | 53,868,000 | 55,789,000 | 58,652,000 |
| Noninterest-bearing deposits | 16,808,000 | 15,396,000 | 15,180,000 | 16,615,000 |
| Equity capital | 5,468,000 | 6,955,000 | 7,569,000 | 7,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,063,000 | 2,212,000 | 3,417,000 | 4,699,000 |
| Interest expense | 373,000 | 797,000 | 1,277,000 | 1,818,000 |
| Net interest income | 690,000 | 1,415,000 | 2,140,000 | 2,881,000 |
| Noninterest income | 144,000 | 356,000 | 626,000 | 918,000 |
| Noninterest expense | 681,000 | 1,463,000 | 2,247,000 | 3,130,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 153,000 | 308,000 | 519,000 | 669,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 308,000 | 519,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,918,000 | 7,939,000 | 8,074,000 | 8,059,000 |
| Total capital | 6,443,000 | 8,470,000 | 8,666,000 | 8,639,000 |
| Risk-weighted assets | 41,922,000 | 42,442,000 | 48,304,000 | 46,393,000 |