Call reports 2003
ROUNDBANK — 2003
What ROUNDBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 182,636,000 | 183,263,000 | 184,096,000 | 191,091,000 |
| Total loans | 108,940,000 | 110,117,000 | 113,627,000 | 114,902,000 |
| Allowance for loan losses | 1,546,000 | 1,602,000 | 1,633,000 | 1,622,000 |
| Securities available for sale | 60,866,000 | 58,781,000 | 56,555,000 | 57,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,788,000 | 126,509,000 | 124,811,000 | 137,571,000 |
| Interest-bearing deposits | 117,415,000 | 115,051,000 | 113,529,000 | 119,166,000 |
| Noninterest-bearing deposits | 11,374,000 | 11,458,000 | 11,282,000 | 18,405,000 |
| Equity capital | 14,734,000 | 15,659,000 | 15,139,000 | 15,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,597,000 | 5,087,000 | 7,543,000 | 10,060,000 |
| Interest expense | 1,271,000 | 2,477,000 | 3,628,000 | 4,718,000 |
| Net interest income | 1,326,000 | 2,610,000 | 3,915,000 | 5,342,000 |
| Noninterest income | 175,000 | 421,000 | 691,000 | 903,000 |
| Noninterest expense | 744,000 | 1,509,000 | 2,294,000 | 3,157,000 |
| Provision for loan losses | 30,000 | 85,000 | 115,000 | 145,000 |
| Pretax income | 776,000 | 1,552,000 | 2,356,000 | 3,116,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 772,000 | 1,548,000 | 2,352,000 | 3,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,877,000 | 13,393,000 | 13,937,000 | 14,438,000 |
| Total capital | 14,350,000 | 14,884,000 | 15,476,000 | 16,012,000 |
| Risk-weighted assets | 117,752,000 | 119,180,000 | 123,067,000 | 125,871,000 |
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