Call reports 2016
ROUNDBANK — 2016
What ROUNDBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 290,285,000 | 298,002,000 | 301,323,000 | 306,339,000 |
| Total loans | 202,537,000 | 212,254,000 | 216,807,000 | 221,052,000 |
| Allowance for loan losses | 3,855,000 | 3,438,000 | 3,426,000 | 3,083,000 |
| Securities available for sale | 67,106,000 | 63,763,000 | 61,611,000 | 62,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,200,000 | 226,777,000 | 235,261,000 | 240,398,000 |
| Interest-bearing deposits | 215,197,000 | 216,696,000 | 224,707,000 | 227,833,000 |
| Noninterest-bearing deposits | 12,003,000 | 10,081,000 | 10,554,000 | 12,565,000 |
| Equity capital | 36,280,000 | 36,894,000 | 36,848,000 | 35,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,229,000 | 6,530,000 | 9,813,000 | 13,118,000 |
| Interest expense | 311,000 | 655,000 | 1,011,000 | 1,384,000 |
| Net interest income | 2,918,000 | 5,875,000 | 8,802,000 | 11,734,000 |
| Noninterest income | 549,000 | 1,420,000 | 1,832,000 | 2,514,000 |
| Noninterest expense | 2,510,000 | 5,121,000 | 7,851,000 | 10,327,000 |
| Provision for loan losses | -194,000 | -489,000 | -489,000 | -789,000 |
| Pretax income | 1,151,000 | 2,694,000 | 3,318,000 | 4,614,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 1,150,000 | 2,691,000 | 3,314,000 | 4,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,432,000 | 35,432,000 | 35,555,000 | 36,355,000 |
| Total capital | 38,444,000 | 38,576,000 | 38,744,000 | 39,438,000 |
| Risk-weighted assets | 240,083,000 | 251,261,000 | 254,911,000 | 265,093,000 |