Call reports 2018
ROUNDBANK — 2018
What ROUNDBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 308,497,000 | 307,790,000 | 302,551,000 | 308,104,000 |
| Total loans | 227,096,000 | 225,790,000 | 223,481,000 | 225,568,000 |
| Allowance for loan losses | 2,926,000 | 2,926,000 | 2,948,000 | 3,059,000 |
| Securities available for sale | 54,670,000 | 59,906,000 | 58,814,000 | 59,002,000 |
| Securities held to maturity | 735,000 | 735,000 | 735,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,146,000 | 248,727,000 | 253,604,000 | 250,108,000 |
| Interest-bearing deposits | 243,230,000 | 238,411,000 | 241,393,000 | 237,454,000 |
| Noninterest-bearing deposits | 10,916,000 | 10,316,000 | 12,211,000 | 12,654,000 |
| Equity capital | 30,931,000 | 31,492,000 | 31,763,000 | 33,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,255,000 | 6,625,000 | 10,058,000 | 13,720,000 |
| Interest expense | 447,000 | 962,000 | 1,467,000 | 1,986,000 |
| Net interest income | 2,808,000 | 5,663,000 | 8,591,000 | 11,734,000 |
| Noninterest income | 749,000 | 1,707,000 | 2,467,000 | 3,217,000 |
| Noninterest expense | 2,499,000 | 4,981,000 | 7,497,000 | 9,968,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 998,000 | 2,329,000 | 3,533,000 | 4,813,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 997,000 | 2,326,000 | 3,529,000 | 4,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,834,000 | 32,420,000 | 33,247,000 | 34,419,000 |
| Total capital | 34,760,000 | 35,308,000 | 36,119,000 | 37,291,000 |
| Risk-weighted assets | 237,240,000 | 231,046,000 | 229,688,000 | 229,601,000 |