Call reports 2001
ROUND TOP STATE BANK — 2001
What ROUND TOP STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 96,064,000 | 92,521,000 | 96,086,000 | 101,434,000 |
| Total loans | 52,923,000 | 56,014,000 | 60,038,000 | 63,792,000 |
| Allowance for loan losses | 318,000 | 331,000 | 346,000 | 363,000 |
| Securities available for sale | 22,681,000 | 20,598,000 | 19,236,000 | 21,110,000 |
| Securities held to maturity | 3,827,000 | 3,643,000 | 3,561,000 | 3,478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,458,000 | 84,807,000 | 87,915,000 | 93,314,000 |
| Interest-bearing deposits | 75,107,000 | 70,200,000 | 70,136,000 | 78,222,000 |
| Noninterest-bearing deposits | 13,351,000 | 14,607,000 | 17,779,000 | 15,092,000 |
| Equity capital | 6,862,000 | 7,106,000 | 7,517,000 | 7,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,724,000 | 3,436,000 | 5,182,000 | 6,910,000 |
| Interest expense | 904,000 | 1,797,000 | 2,684,000 | 3,496,000 |
| Net interest income | 820,000 | 1,639,000 | 2,498,000 | 3,414,000 |
| Noninterest income | 174,000 | 368,000 | 549,000 | 740,000 |
| Noninterest expense | 593,000 | 1,212,000 | 1,830,000 | 2,459,000 |
| Provision for loan losses | 19,000 | 33,000 | 50,000 | 67,000 |
| Pretax income | 382,000 | 762,000 | 1,173,000 | 1,634,000 |
| Income tax | 120,000 | 244,000 | 381,000 | 506,000 |
| Net income | 262,000 | 518,000 | 792,000 | 1,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,744,000 | 7,000,000 | 7,273,000 | 7,483,000 |
| Total capital | 7,062,000 | 7,331,000 | 7,619,000 | 7,846,000 |
| Risk-weighted assets | 54,381,000 | 55,482,000 | 60,239,000 | 64,651,000 |