Call reports 2008
ROSCOE STATE BANK, THE — 2008
What ROSCOE STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 97,914,000 | 96,996,000 | 105,433,000 | 111,609,000 |
| Total loans | 34,756,000 | 37,918,000 | 40,825,000 | 40,771,000 |
| Allowance for loan losses | 583,000 | 710,000 | 703,000 | 700,000 |
| Securities available for sale | 49,875,000 | 50,295,000 | 53,023,000 | 62,570,000 |
| Securities held to maturity | 1,827,000 | 1,716,000 | 1,564,000 | 1,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,166,000 | 86,685,000 | 95,734,000 | 96,416,000 |
| Interest-bearing deposits | 64,548,000 | 63,251,000 | 74,076,000 | 75,082,000 |
| Noninterest-bearing deposits | 23,618,000 | 23,434,000 | 21,658,000 | 21,334,000 |
| Equity capital | 9,401,000 | 8,091,000 | 9,335,000 | 10,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,686,000 | 4,062,000 | 5,499,000 |
| Interest expense | 494,000 | 931,000 | 1,369,000 | 1,795,000 |
| Net interest income | 865,000 | 1,755,000 | 2,693,000 | 3,704,000 |
| Noninterest income | 181,000 | 396,000 | 624,000 | 823,000 |
| Noninterest expense | 777,000 | 1,571,000 | 2,415,000 | 3,383,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 626,000 | 945,000 | 1,204,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 269,000 | 626,000 | 945,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,475,000 | 8,681,000 | 8,836,000 | 8,925,000 |
| Total capital | 9,058,000 | 9,302,000 | 9,519,000 | 9,605,000 |
| Risk-weighted assets | 47,322,000 | 49,610,000 | 54,635,000 | 54,369,000 |