Call reports 2007
ROUNDBANK — 2007
What ROUNDBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 202,019,000 | 208,204,000 | 209,461,000 | 212,701,000 |
| Total loans | 132,528,000 | 139,099,000 | 139,723,000 | 140,775,000 |
| Allowance for loan losses | 1,827,000 | 1,886,000 | 1,677,000 | 1,486,000 |
| Securities available for sale | 52,810,000 | 52,079,000 | 52,840,000 | 54,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,628,000 | 142,491,000 | 143,842,000 | 145,168,000 |
| Interest-bearing deposits | 124,482,000 | 130,224,000 | 132,944,000 | 132,862,000 |
| Noninterest-bearing deposits | 11,146,000 | 12,267,000 | 10,898,000 | 12,306,000 |
| Equity capital | 19,722,000 | 19,002,000 | 19,754,000 | 19,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,258,000 | 6,600,000 | 10,039,000 | 13,368,000 |
| Interest expense | 1,673,000 | 3,424,000 | 5,247,000 | 7,019,000 |
| Net interest income | 1,585,000 | 3,176,000 | 4,792,000 | 6,349,000 |
| Noninterest income | 229,000 | 463,000 | 730,000 | 1,033,000 |
| Noninterest expense | 1,204,000 | 2,397,000 | 3,659,000 | 4,809,000 |
| Provision for loan losses | 45,000 | 105,000 | 295,000 | 945,000 |
| Pretax income | 565,000 | 1,139,000 | 1,572,000 | 1,632,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 8,000 |
| Net income | 564,000 | 1,136,000 | 1,566,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,655,000 | 19,723,000 | 19,902,000 | 19,459,000 |
| Total capital | 21,482,000 | 21,609,000 | 21,579,000 | 20,945,000 |
| Risk-weighted assets | 147,851,000 | 155,335,000 | 155,256,000 | 155,539,000 |
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