Call reports 2003
ROUND TOP STATE BANK — 2003
What ROUND TOP STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 122,812,000 | 124,508,000 | 128,534,000 | 130,862,000 |
| Total loans | 70,140,000 | 73,161,000 | 75,477,000 | 78,087,000 |
| Allowance for loan losses | 429,000 | 429,000 | 411,000 | 424,000 |
| Securities available for sale | 28,921,000 | 32,256,000 | 29,371,000 | 28,575,000 |
| Securities held to maturity | 2,299,000 | 2,178,000 | 2,061,000 | 2,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,168,000 | 113,474,000 | 117,439,000 | 119,441,000 |
| Interest-bearing deposits | 94,089,000 | 94,818,000 | 97,076,000 | 100,565,000 |
| Noninterest-bearing deposits | 18,079,000 | 18,656,000 | 20,363,000 | 18,876,000 |
| Equity capital | 9,858,000 | 10,372,000 | 10,582,000 | 10,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,742,000 | 3,506,000 | 5,263,000 | 7,039,000 |
| Interest expense | 556,000 | 1,084,000 | 1,590,000 | 2,064,000 |
| Net interest income | 1,186,000 | 2,422,000 | 3,673,000 | 4,975,000 |
| Noninterest income | 217,000 | 420,000 | 647,000 | 846,000 |
| Noninterest expense | 761,000 | 1,512,000 | 2,273,000 | 3,060,000 |
| Provision for loan losses | 9,000 | 9,000 | 17,000 | 42,000 |
| Pretax income | 643,000 | 1,331,000 | 2,040,000 | 2,729,000 |
| Income tax | 207,000 | 431,000 | 666,000 | 882,000 |
| Net income | 436,000 | 900,000 | 1,374,000 | 1,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,308,000 | 9,772,000 | 10,247,000 | 10,503,000 |
| Total capital | 9,737,000 | 10,201,000 | 10,658,000 | 10,927,000 |
| Risk-weighted assets | 68,404,000 | 70,275,000 | 72,162,000 | 74,312,000 |