Call reports 2008
ROUNDBANK — 2008
What ROUNDBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 218,996,000 | 225,077,000 | 224,990,000 | 226,687,000 |
| Total loans | 150,547,000 | 161,361,000 | 159,550,000 | 160,704,000 |
| Allowance for loan losses | 1,669,000 | 1,740,000 | 1,885,000 | 1,741,000 |
| Securities available for sale | 51,871,000 | 48,383,000 | 49,979,000 | 49,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,590,000 | 147,680,000 | 145,385,000 | 156,509,000 |
| Interest-bearing deposits | 135,141,000 | 136,378,000 | 134,256,000 | 144,534,000 |
| Noninterest-bearing deposits | 12,449,000 | 11,302,000 | 11,129,000 | 11,975,000 |
| Equity capital | 20,283,000 | 19,692,000 | 20,107,000 | 20,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,383,000 | 6,694,000 | 9,998,000 | 13,206,000 |
| Interest expense | 1,737,000 | 3,393,000 | 4,935,000 | 6,446,000 |
| Net interest income | 1,646,000 | 3,301,000 | 5,063,000 | 6,760,000 |
| Noninterest income | 327,000 | 609,000 | 853,000 | 1,129,000 |
| Noninterest expense | 1,367,000 | 2,689,000 | 4,038,000 | 5,350,000 |
| Provision for loan losses | 138,000 | 186,000 | 234,000 | 382,000 |
| Pretax income | 502,000 | 1,166,000 | 1,782,000 | 2,304,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 10,000 |
| Net income | 500,000 | 1,163,000 | 1,777,000 | 2,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,488,000 | 19,708,000 | 20,099,000 | 20,616,000 |
| Total capital | 21,157,000 | 21,448,000 | 21,984,000 | 22,357,000 |
| Risk-weighted assets | 165,015,000 | 175,644,000 | 174,415,000 | 176,122,000 |