Call reports 2004
ROUNDBANK — 2004
What ROUNDBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 189,806,000 | 186,536,000 | 185,788,000 | 191,604,000 |
| Total loans | 117,846,000 | 118,052,000 | 118,880,000 | 121,463,000 |
| Allowance for loan losses | 1,654,000 | 1,681,000 | 1,693,000 | 1,601,000 |
| Securities available for sale | 58,707,000 | 53,644,000 | 51,001,000 | 53,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,848,000 | 130,379,000 | 127,360,000 | 131,222,000 |
| Interest-bearing deposits | 117,785,000 | 120,612,000 | 117,005,000 | 120,403,000 |
| Noninterest-bearing deposits | 12,063,000 | 9,767,000 | 10,355,000 | 10,819,000 |
| Equity capital | 17,431,000 | 15,773,000 | 17,470,000 | 17,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,538,000 | 5,124,000 | 7,672,000 | 10,202,000 |
| Interest expense | 1,036,000 | 2,067,000 | 3,100,000 | 4,133,000 |
| Net interest income | 1,502,000 | 3,057,000 | 4,572,000 | 6,069,000 |
| Noninterest income | 186,000 | 417,000 | 656,000 | 881,000 |
| Noninterest expense | 841,000 | 1,705,000 | 2,554,000 | 3,482,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 844,000 | 1,796,000 | 2,677,000 | 3,462,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 841,000 | 1,793,000 | 2,674,000 | 3,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,278,000 | 15,681,000 | 16,287,000 | 16,797,000 |
| Total capital | 16,878,000 | 17,275,000 | 17,890,000 | 18,398,000 |
| Risk-weighted assets | 127,965,000 | 127,452,000 | 128,129,000 | 130,777,000 |
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