Call reports 2020
ROUNDBANK — 2020
What ROUNDBANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 333,349,000 | 367,431,000 | 371,398,000 | 385,394,000 |
| Total loans | 243,134,000 | 258,957,000 | 263,869,000 | 258,582,000 |
| Allowance for loan losses | 2,390,000 | 3,332,000 | 3,510,000 | 3,542,000 |
| Securities available for sale | 69,820,000 | 75,735,000 | 84,519,000 | 89,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,376,000 | 287,134,000 | 285,784,000 | 303,126,000 |
| Interest-bearing deposits | 248,677,000 | 227,870,000 | 217,957,000 | 235,244,000 |
| Noninterest-bearing deposits | 15,699,000 | 59,264,000 | 67,827,000 | 67,882,000 |
| Equity capital | 38,358,000 | 40,565,000 | 43,339,000 | 44,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,631,000 | 8,072,000 | 11,693,000 | 15,472,000 |
| Interest expense | 677,000 | 1,265,000 | 1,728,000 | 2,124,000 |
| Net interest income | 2,954,000 | 6,807,000 | 9,965,000 | 13,348,000 |
| Noninterest income | 1,357,000 | 3,832,000 | 6,507,000 | 9,794,000 |
| Noninterest expense | 3,008,000 | 6,474,000 | 10,105,000 | 13,753,000 |
| Provision for loan losses | 0 | 1,143,000 | 1,293,000 | 1,293,000 |
| Pretax income | 1,760,000 | 3,479,000 | 5,531,000 | 8,553,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 1,759,000 | 3,476,000 | 5,527,000 | 8,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,795,000 | 36,132,000 | 38,180,000 | 39,147,000 |
| Total capital | 38,185,000 | 39,464,000 | 41,690,000 | 42,689,000 |
| Risk-weighted assets | 249,957,000 | 289,456,000 | 294,948,000 | 297,027,000 |