Call reports 2012
ROUNDBANK — 2012
What ROUNDBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 287,682,000 | 278,205,000 | 288,456,000 | 298,103,000 |
| Total loans | 202,982,000 | 199,559,000 | 202,611,000 | 203,448,000 |
| Allowance for loan losses | 3,831,000 | 4,269,000 | 4,079,000 | 3,775,000 |
| Securities available for sale | 54,568,000 | 55,950,000 | 60,695,000 | 70,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,349,000 | 233,424,000 | 242,566,000 | 244,341,000 |
| Interest-bearing deposits | 204,235,000 | 204,503,000 | 209,388,000 | 208,274,000 |
| Noninterest-bearing deposits | 32,114,000 | 28,921,000 | 33,178,000 | 36,067,000 |
| Equity capital | 30,607,000 | 30,902,000 | 32,079,000 | 32,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,926,000 | 7,828,000 | 11,967,000 | 15,796,000 |
| Interest expense | 650,000 | 1,217,000 | 1,738,000 | 2,221,000 |
| Net interest income | 3,276,000 | 6,611,000 | 10,229,000 | 13,575,000 |
| Noninterest income | 835,000 | 1,523,000 | 1,981,000 | 2,913,000 |
| Noninterest expense | 2,463,000 | 4,904,000 | 7,229,000 | 9,645,000 |
| Provision for loan losses | 300,000 | 1,034,000 | 1,380,000 | 1,680,000 |
| Pretax income | 1,348,000 | 2,196,000 | 3,635,000 | 5,197,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | 1,347,000 | 2,194,000 | 3,631,000 | 5,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,683,000 | 28,778,000 | 29,932,000 | 31,094,000 |
| Total capital | 31,334,000 | 31,425,000 | 32,610,000 | 33,785,000 |
| Risk-weighted assets | 235,502,000 | 234,002,000 | 282,030,000 | 279,451,000 |