Call reports 2015
ROSCOE STATE BANK, THE — 2015
What ROSCOE STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 161,794,000 | 153,785,000 | 155,229,000 | 156,880,000 |
| Total loans | 61,468,000 | 62,624,000 | 68,256,000 | 69,423,000 |
| Allowance for loan losses | 990,000 | 1,010,000 | 1,030,000 | 1,064,000 |
| Securities available for sale | 80,834,000 | 83,946,000 | 80,101,000 | 80,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,376,000 | 137,103,000 | 134,916,000 | 140,011,000 |
| Interest-bearing deposits | 94,018,000 | 90,158,000 | 87,716,000 | 88,979,000 |
| Noninterest-bearing deposits | 51,358,000 | 46,945,000 | 47,200,000 | 51,032,000 |
| Equity capital | 16,203,000 | 15,458,000 | 16,192,000 | 16,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,328,000 | 2,657,000 | 4,031,000 | 5,449,000 |
| Interest expense | 59,000 | 117,000 | 182,000 | 242,000 |
| Net interest income | 1,269,000 | 2,540,000 | 3,849,000 | 5,207,000 |
| Noninterest income | 297,000 | 479,000 | 748,000 | 986,000 |
| Noninterest expense | 1,034,000 | 2,184,000 | 3,267,000 | 4,639,000 |
| Provision for loan losses | 83,000 | 103,000 | 118,000 | 133,000 |
| Pretax income | 453,000 | 736,000 | 1,216,000 | 1,425,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 453,000 | 736,000 | 1,216,000 | 1,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,187,000 | 14,245,000 | 14,600,000 | 14,510,000 |
| Total capital | 15,177,000 | 15,255,000 | 15,630,000 | 15,574,000 |
| Risk-weighted assets | 79,969,000 | 81,430,000 | 85,185,000 | 87,980,000 |