Call reports 2013
ROUNDBANK — 2013
What ROUNDBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 287,589,000 | 282,193,000 | 289,969,000 | 298,904,000 |
| Total loans | 194,157,000 | 187,109,000 | 181,721,000 | 196,322,000 |
| Allowance for loan losses | 4,487,000 | 4,388,000 | 4,447,000 | 4,190,000 |
| Securities available for sale | 72,272,000 | 75,441,000 | 87,755,000 | 80,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,227,000 | 236,016,000 | 238,030,000 | 235,728,000 |
| Interest-bearing deposits | 212,723,000 | 225,525,000 | 227,272,000 | 221,741,000 |
| Noninterest-bearing deposits | 32,504,000 | 10,491,000 | 10,758,000 | 13,987,000 |
| Equity capital | 30,762,000 | 29,658,000 | 29,030,000 | 30,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,722,000 | 7,522,000 | 10,848,000 | 14,524,000 |
| Interest expense | 421,000 | 809,000 | 1,159,000 | 1,490,000 |
| Net interest income | 3,301,000 | 6,713,000 | 9,689,000 | 13,034,000 |
| Noninterest income | 625,000 | 1,244,000 | 1,689,000 | 2,115,000 |
| Noninterest expense | 2,499,000 | 4,993,000 | 7,498,000 | 9,688,000 |
| Provision for loan losses | 971,000 | 1,487,000 | 1,937,000 | 2,137,000 |
| Pretax income | 456,000 | 1,493,000 | 1,959,000 | 3,398,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 455,000 | 1,490,000 | 1,955,000 | 3,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,375,000 | 29,483,000 | 29,748,000 | 30,985,000 |
| Total capital | 32,185,000 | 32,204,000 | 32,213,000 | 33,615,000 |
| Risk-weighted assets | 263,123,000 | 216,015,000 | 212,051,000 | 224,463,000 |