Call reports 2011
ROUNDBANK — 2011
What ROUNDBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 293,525,000 | 287,852,000 | 282,750,000 | 290,234,000 |
| Total loans | 214,749,000 | 215,508,000 | 211,260,000 | 210,300,000 |
| Allowance for loan losses | 3,001,000 | 3,156,000 | 3,364,000 | 3,597,000 |
| Securities available for sale | 48,507,000 | 48,343,000 | 46,956,000 | 50,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,710,000 | 231,978,000 | 229,958,000 | 235,016,000 |
| Interest-bearing deposits | 210,862,000 | 204,345,000 | 200,778,000 | 203,749,000 |
| Noninterest-bearing deposits | 25,848,000 | 27,633,000 | 29,180,000 | 31,267,000 |
| Equity capital | 30,006,000 | 28,320,000 | 29,400,000 | 30,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,704,000 | 7,234,000 | 11,015,000 | 15,413,000 |
| Interest expense | 837,000 | 1,618,000 | 2,374,000 | 3,071,000 |
| Net interest income | 2,867,000 | 5,616,000 | 8,641,000 | 12,342,000 |
| Noninterest income | 483,000 | 1,084,000 | 1,688,000 | 2,732,000 |
| Noninterest expense | 2,247,000 | 4,803,000 | 7,192,000 | 9,601,000 |
| Provision for loan losses | 275,000 | 575,000 | 750,000 | 2,140,000 |
| Pretax income | 830,000 | 1,324,000 | 2,390,000 | 3,336,000 |
| Income tax | 1,000 | 2,000 | 0 | 5,000 |
| Net income | 829,000 | 1,322,000 | 2,390,000 | 3,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,733,000 | 26,583,000 | 27,333,000 | 27,930,000 |
| Total capital | 31,734,000 | 29,589,000 | 30,102,000 | 30,645,000 |
| Risk-weighted assets | 241,597,000 | 240,326,000 | 244,343,000 | 240,943,000 |