Call reports 2009
ROUNDBANK — 2009
What ROUNDBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 218,894,000 | 220,439,000 | 223,037,000 | 228,140,000 |
| Total loans | 155,089,000 | 159,271,000 | 161,975,000 | 166,142,000 |
| Allowance for loan losses | 1,844,000 | 2,118,000 | 2,157,000 | 2,347,000 |
| Securities available for sale | 46,430,000 | 43,305,000 | 45,726,000 | 45,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,043,000 | 159,369,000 | 160,622,000 | 169,433,000 |
| Interest-bearing deposits | 138,697,000 | 146,946,000 | 149,376,000 | 155,926,000 |
| Noninterest-bearing deposits | 12,346,000 | 12,423,000 | 11,246,000 | 13,507,000 |
| Equity capital | 21,718,000 | 21,861,000 | 23,345,000 | 23,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,008,000 | 6,026,000 | 9,172,000 | 12,350,000 |
| Interest expense | 1,383,000 | 2,610,000 | 3,764,000 | 4,860,000 |
| Net interest income | 1,625,000 | 3,416,000 | 5,408,000 | 7,490,000 |
| Noninterest income | 309,000 | 633,000 | 903,000 | 1,255,000 |
| Noninterest expense | 1,381,000 | 3,061,000 | 4,561,000 | 5,881,000 |
| Provision for loan losses | 131,000 | 263,000 | 394,000 | 704,000 |
| Pretax income | 427,000 | 734,000 | 1,366,000 | 2,170,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 426,000 | 731,000 | 1,362,000 | 2,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,043,000 | 21,348,000 | 21,979,000 | 21,970,000 |
| Total capital | 22,887,000 | 23,466,000 | 24,136,000 | 24,265,000 |
| Risk-weighted assets | 170,968,000 | 176,783,000 | 181,207,000 | 183,538,000 |