Call reports 2013
ROSCOE STATE BANK, THE — 2013
What ROSCOE STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 171,838,000 | 158,059,000 | 150,030,000 | 157,652,000 |
| Total loans | 40,345,000 | 40,866,000 | 45,923,000 | 56,638,000 |
| Allowance for loan losses | 624,000 | 621,000 | 616,000 | 629,000 |
| Securities available for sale | 114,249,000 | 109,013,000 | 93,979,000 | 92,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,201,000 | 144,744,000 | 134,856,000 | 135,366,000 |
| Interest-bearing deposits | 106,266,000 | 98,204,000 | 89,783,000 | 93,759,000 |
| Noninterest-bearing deposits | 49,935,000 | 46,540,000 | 45,073,000 | 41,607,000 |
| Equity capital | 15,467,000 | 13,130,000 | 12,955,000 | 13,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,212,000 | 2,415,000 | 3,624,000 | 4,957,000 |
| Interest expense | 118,000 | 205,000 | 273,000 | 353,000 |
| Net interest income | 1,094,000 | 2,210,000 | 3,351,000 | 4,604,000 |
| Noninterest income | 301,000 | 491,000 | 665,000 | 948,000 |
| Noninterest expense | 973,000 | 1,977,000 | 2,927,000 | 4,303,000 |
| Provision for loan losses | 0 | 208,000 | 208,000 | 208,000 |
| Pretax income | 422,000 | 516,000 | 1,293,000 | 1,453,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 422,000 | 516,000 | 1,293,000 | 1,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,206,000 | 12,180,000 | 12,837,000 | 12,837,000 |
| Total capital | 12,830,000 | 12,801,000 | 13,453,000 | 13,466,000 |
| Risk-weighted assets | 63,708,000 | 63,888,000 | 65,828,000 | 75,228,000 |