Call reports 2015
ROUNDBANK — 2015
What ROUNDBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 292,677,000 | 290,281,000 | 291,071,000 | 296,627,000 |
| Total loans | 189,456,000 | 196,265,000 | 199,478,000 | 206,601,000 |
| Allowance for loan losses | 4,156,000 | 4,237,000 | 4,279,000 | 4,048,000 |
| Securities available for sale | 78,474,000 | 72,675,000 | 69,414,000 | 66,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,229,000 | 222,665,000 | 228,513,000 | 223,781,000 |
| Interest-bearing deposits | 219,853,000 | 211,722,000 | 218,509,000 | 212,010,000 |
| Noninterest-bearing deposits | 11,376,000 | 10,943,000 | 10,004,000 | 11,771,000 |
| Equity capital | 34,052,000 | 33,508,000 | 34,409,000 | 35,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,359,000 | 6,640,000 | 9,821,000 | 12,963,000 |
| Interest expense | 281,000 | 564,000 | 846,000 | 1,141,000 |
| Net interest income | 3,078,000 | 6,076,000 | 8,975,000 | 11,822,000 |
| Noninterest income | 472,000 | 1,080,000 | 1,717,000 | 2,336,000 |
| Noninterest expense | 2,345,000 | 4,722,000 | 7,131,000 | 9,597,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 1,153,000 | 2,302,000 | 3,418,000 | 4,418,000 |
| Income tax | 1,000 | 5,000 | 6,000 | 8,000 |
| Net income | 1,152,000 | 2,297,000 | 3,412,000 | 4,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,406,000 | 33,553,000 | 34,168,000 | 35,059,000 |
| Total capital | 36,306,000 | 36,490,000 | 37,129,000 | 38,121,000 |
| Risk-weighted assets | 230,790,000 | 233,660,000 | 235,493,000 | 243,983,000 |