Call reports 2014
ROUNDBANK — 2014
What ROUNDBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 287,504,000 | 283,397,000 | 283,287,000 | 295,254,000 |
| Total loans | 190,258,000 | 190,898,000 | 187,601,000 | 193,407,000 |
| Allowance for loan losses | 4,464,000 | 4,634,000 | 4,521,000 | 4,081,000 |
| Securities available for sale | 76,167,000 | 70,940,000 | 74,151,000 | 77,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,153,000 | 231,738,000 | 230,912,000 | 242,187,000 |
| Interest-bearing deposits | 222,415,000 | 220,037,000 | 218,446,000 | 225,931,000 |
| Noninterest-bearing deposits | 11,738,000 | 11,701,000 | 12,466,000 | 16,256,000 |
| Equity capital | 30,815,000 | 31,817,000 | 32,366,000 | 33,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,447,000 | 7,198,000 | 10,513,000 | 13,886,000 |
| Interest expense | 307,000 | 610,000 | 909,000 | 1,221,000 |
| Net interest income | 3,140,000 | 6,588,000 | 9,604,000 | 12,665,000 |
| Noninterest income | 618,000 | 1,493,000 | 2,248,000 | 3,293,000 |
| Noninterest expense | 2,469,000 | 5,057,000 | 7,462,000 | 9,959,000 |
| Provision for loan losses | 225,000 | 375,000 | 450,000 | 150,000 |
| Pretax income | 1,069,000 | 2,663,000 | 3,927,000 | 5,887,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | 1,068,000 | 2,661,000 | 3,923,000 | 5,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,193,000 | 31,527,000 | 32,169,000 | 32,925,000 |
| Total capital | 33,719,000 | 34,237,000 | 34,671,000 | 35,659,000 |
| Risk-weighted assets | 215,158,000 | 214,880,000 | 211,738,000 | 217,367,000 |