Call reports 2014
ROSCOE STATE BANK, THE — 2014
What ROSCOE STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 152,331,000 | 150,085,000 | 147,565,000 | 154,213,000 |
| Total loans | 54,283,000 | 55,480,000 | 58,458,000 | 62,600,000 |
| Allowance for loan losses | 810,000 | 820,000 | 876,000 | 908,000 |
| Securities available for sale | 86,743,000 | 85,773,000 | 81,454,000 | 79,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,929,000 | 134,643,000 | 129,615,000 | 138,414,000 |
| Interest-bearing deposits | 93,067,000 | 90,682,000 | 88,727,000 | 90,294,000 |
| Noninterest-bearing deposits | 44,862,000 | 43,961,000 | 40,888,000 | 48,120,000 |
| Equity capital | 14,180,000 | 15,179,000 | 15,642,000 | 15,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,591,000 | 3,908,000 | 5,246,000 |
| Interest expense | 67,000 | 131,000 | 191,000 | 249,000 |
| Net interest income | 1,229,000 | 2,460,000 | 3,717,000 | 4,997,000 |
| Noninterest income | 352,000 | 585,000 | 819,000 | 1,066,000 |
| Noninterest expense | 943,000 | 1,999,000 | 3,074,000 | 4,353,000 |
| Provision for loan losses | 186,000 | 196,000 | 253,000 | 288,000 |
| Pretax income | 567,000 | 982,000 | 1,341,000 | 1,733,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 567,000 | 982,000 | 1,341,000 | 1,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,259,000 | 13,528,000 | 13,752,000 | 13,884,000 |
| Total capital | 14,069,000 | 14,348,000 | 14,628,000 | 14,792,000 |
| Risk-weighted assets | 72,107,000 | 73,199,000 | 74,873,000 | 77,503,000 |