Call reports 2010
ROSCOE STATE BANK, THE — 2010
What ROSCOE STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 116,010,000 | 114,938,000 | 111,129,000 | 112,906,000 |
| Total loans | 33,416,000 | 35,284,000 | 36,295,000 | 36,172,000 |
| Allowance for loan losses | 680,000 | 673,000 | 672,000 | 664,000 |
| Securities available for sale | 70,163,000 | 71,639,000 | 66,442,000 | 68,268,000 |
| Securities held to maturity | 1,200,000 | 1,199,000 | 1,198,000 | 1,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,863,000 | 99,708,000 | 97,894,000 | 100,781,000 |
| Interest-bearing deposits | 81,396,000 | 79,083,000 | 76,730,000 | 75,722,000 |
| Noninterest-bearing deposits | 22,467,000 | 20,625,000 | 21,164,000 | 25,059,000 |
| Equity capital | 11,894,000 | 12,212,000 | 12,939,000 | 11,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,454,000 | 3,675,000 | 4,868,000 |
| Interest expense | 195,000 | 395,000 | 595,000 | 791,000 |
| Net interest income | 1,023,000 | 2,059,000 | 3,080,000 | 4,077,000 |
| Noninterest income | 220,000 | 467,000 | 771,000 | 1,030,000 |
| Noninterest expense | 899,000 | 1,882,000 | 2,896,000 | 4,084,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 358,000 | 834,000 | 1,241,000 | 1,309,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 358,000 | 834,000 | 1,241,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,565,000 | 9,856,000 | 10,078,000 | 9,962,000 |
| Total capital | 10,170,000 | 10,488,000 | 10,712,000 | 10,597,000 |
| Risk-weighted assets | 48,342,000 | 50,502,000 | 50,682,000 | 50,782,000 |