Call reports 2019
ROUNDBANK — 2019
What ROUNDBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 317,524,000 | 320,479,000 | 322,146,000 | 325,074,000 |
| Total loans | 231,070,000 | 233,974,000 | 233,538,000 | 233,215,000 |
| Allowance for loan losses | 2,999,000 | 3,020,000 | 2,406,000 | 2,385,000 |
| Securities available for sale | 63,583,000 | 63,849,000 | 65,973,000 | 68,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,253,000 | 246,887,000 | 259,493,000 | 255,266,000 |
| Interest-bearing deposits | 239,899,000 | 235,036,000 | 243,994,000 | 243,540,000 |
| Noninterest-bearing deposits | 12,354,000 | 11,851,000 | 15,499,000 | 11,726,000 |
| Equity capital | 34,631,000 | 36,315,000 | 38,568,000 | 38,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,590,000 | 7,146,000 | 10,690,000 | 14,393,000 |
| Interest expense | 605,000 | 1,291,000 | 1,980,000 | 2,649,000 |
| Net interest income | 2,985,000 | 5,855,000 | 8,710,000 | 11,744,000 |
| Noninterest income | 613,000 | 1,289,000 | 2,197,000 | 3,263,000 |
| Noninterest expense | 2,529,000 | 5,071,000 | 7,841,000 | 10,558,000 |
| Provision for loan losses | -486,000 | -471,000 | -1,095,000 | -1,080,000 |
| Pretax income | 1,546,000 | 2,535,000 | 4,184,000 | 5,552,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 1,545,000 | 2,532,000 | 4,180,000 | 5,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,871,000 | 34,321,000 | 35,699,000 | 36,435,000 |
| Total capital | 36,870,000 | 37,341,000 | 38,105,000 | 38,820,000 |
| Risk-weighted assets | 254,040,000 | 252,314,000 | 239,252,000 | 245,528,000 |