Call reports 2005
ROSE ROCK BANK — 2005
What ROSE ROCK BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 406,944,000 | 409,283,000 | 436,447,000 |
| Total loans | 316,079,000 | 329,969,000 | 350,671,000 |
| Allowance for loan losses | 480,000 | 1,365,000 | 1,955,000 |
| Securities available for sale | 17,962,000 | 25,889,000 | 29,887,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 316,220,000 | 304,190,000 | 293,083,000 |
| Interest-bearing deposits | 254,483,000 | 240,502,000 | 230,287,000 |
| Noninterest-bearing deposits | 61,737,000 | 63,688,000 | 62,796,000 |
| Equity capital | 63,756,000 | 64,774,000 | 66,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 834,000 | 6,641,000 | 13,375,000 |
| Interest expense | 230,000 | 1,919,000 | 4,063,000 |
| Net interest income | 604,000 | 4,722,000 | 9,312,000 |
| Noninterest income | 56,000 | 451,000 | 875,000 |
| Noninterest expense | 423,000 | 3,394,000 | 6,225,000 |
| Provision for loan losses | 81,000 | 606,000 | 1,131,000 |
| Pretax income | 156,000 | 1,173,000 | 2,831,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 156,000 | 1,173,000 | 2,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 35,380,000 | 37,028,000 | 39,302,000 |
| Total capital | 35,860,000 | 38,393,000 | 41,257,000 |
| Risk-weighted assets | 345,699,000 | 357,932,000 | 380,230,000 |