Call reports 2002
ROUND TOP STATE BANK — 2002
What ROUND TOP STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 103,989,000 | 110,450,000 | 112,483,000 | 118,172,000 |
| Total loans | 65,270,000 | 65,282,000 | 66,947,000 | 68,293,000 |
| Allowance for loan losses | 391,000 | 401,000 | 398,000 | 420,000 |
| Securities available for sale | 24,821,000 | 29,747,000 | 28,878,000 | 29,277,000 |
| Securities held to maturity | 3,397,000 | 3,340,000 | 2,574,000 | 2,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,536,000 | 101,386,000 | 102,735,000 | 108,160,000 |
| Interest-bearing deposits | 81,776,000 | 85,059,000 | 85,333,000 | 92,046,000 |
| Noninterest-bearing deposits | 13,760,000 | 16,327,000 | 17,402,000 | 16,114,000 |
| Equity capital | 7,870,000 | 8,449,000 | 9,145,000 | 9,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,481,000 | 5,268,000 | 7,063,000 |
| Interest expense | 763,000 | 1,506,000 | 2,202,000 | 2,795,000 |
| Net interest income | 969,000 | 1,975,000 | 3,066,000 | 4,268,000 |
| Noninterest income | 210,000 | 446,000 | 665,000 | 863,000 |
| Noninterest expense | 693,000 | 1,393,000 | 2,079,000 | 2,778,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 68,000 |
| Pretax income | 456,000 | 988,000 | 1,627,000 | 2,312,000 |
| Income tax | 143,000 | 327,000 | 472,000 | 742,000 |
| Net income | 313,000 | 661,000 | 1,155,000 | 1,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,796,000 | 8,144,000 | 8,638,000 | 8,873,000 |
| Total capital | 8,187,000 | 8,545,000 | 9,036,000 | 9,293,000 |
| Risk-weighted assets | 61,659,000 | 62,728,000 | 63,396,000 | 66,029,000 |