Call reports 2016
ROSCOE STATE BANK, THE — 2016
What ROSCOE STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 153,501,000 | 152,129,000 | 148,327,000 | 145,970,000 |
| Total loans | 69,878,000 | 73,265,000 | 77,533,000 | 76,464,000 |
| Allowance for loan losses | 1,146,000 | 1,163,000 | 1,189,000 | 1,192,000 |
| Securities available for sale | 75,167,000 | 71,606,000 | 63,611,000 | 58,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,515,000 | 130,289,000 | 129,280,000 | 130,101,000 |
| Interest-bearing deposits | 87,220,000 | 83,954,000 | 83,104,000 | 81,513,000 |
| Noninterest-bearing deposits | 49,295,000 | 46,335,000 | 46,176,000 | 48,588,000 |
| Equity capital | 16,738,000 | 17,250,000 | 17,376,000 | 15,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,389,000 | 2,782,000 | 4,196,000 | 5,635,000 |
| Interest expense | 57,000 | 130,000 | 200,000 | 265,000 |
| Net interest income | 1,332,000 | 2,652,000 | 3,996,000 | 5,370,000 |
| Noninterest income | 313,000 | 532,000 | 818,000 | 1,096,000 |
| Noninterest expense | 1,078,000 | 2,142,000 | 3,246,000 | 4,589,000 |
| Provision for loan losses | 83,000 | 104,000 | 132,000 | 137,000 |
| Pretax income | 522,000 | 1,005,000 | 1,501,000 | 1,731,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 522,000 | 1,005,000 | 1,501,000 | 1,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,811,000 | 15,170,000 | 15,541,000 | 15,350,000 |
| Total capital | 15,897,000 | 16,283,000 | 16,667,000 | 16,465,000 |
| Risk-weighted assets | 86,865,000 | 88,960,000 | 90,051,000 | 89,154,000 |