Call reports 2010
ROUNDBANK — 2010
What ROUNDBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 221,607,000 | 224,856,000 | 305,083,000 | 312,592,000 |
| Total loans | 162,020,000 | 166,965,000 | 224,507,000 | 221,155,000 |
| Allowance for loan losses | 2,721,000 | 3,092,000 | 3,511,000 | 2,761,000 |
| Securities available for sale | 44,386,000 | 43,445,000 | 50,460,000 | 49,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,895,000 | 175,986,000 | 244,640,000 | 252,900,000 |
| Interest-bearing deposits | 151,667,000 | 160,928,000 | 222,041,000 | 222,997,000 |
| Noninterest-bearing deposits | 14,228,000 | 15,058,000 | 22,599,000 | 29,903,000 |
| Equity capital | 23,351,000 | 23,020,000 | 30,274,000 | 29,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,061,000 | 6,223,000 | 10,095,000 | 14,088,000 |
| Interest expense | 986,000 | 1,902,000 | 2,968,000 | 3,892,000 |
| Net interest income | 2,075,000 | 4,321,000 | 7,127,000 | 10,196,000 |
| Noninterest income | 272,000 | 557,000 | 7,210,000 | 7,549,000 |
| Noninterest expense | 1,412,000 | 2,807,000 | 4,691,000 | 6,927,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,251,000 | 2,010,000 |
| Pretax income | 648,000 | 1,409,000 | 8,483,000 | 8,896,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 5,000 |
| Net income | 646,000 | 1,406,000 | 8,479,000 | 8,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,116,000 | 21,812,000 | 28,508,000 | 28,697,000 |
| Total capital | 24,336,000 | 24,058,000 | 31,585,000 | 31,458,000 |
| Risk-weighted assets | 177,065,000 | 178,838,000 | 245,745,000 | 252,026,000 |