Call reports 2004
ROUND TOP STATE BANK — 2004
What ROUND TOP STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 128,844,000 | 130,499,000 | 131,986,000 | 139,800,000 |
| Total loans | 81,286,000 | 84,006,000 | 89,580,000 | 93,636,000 |
| Allowance for loan losses | 440,000 | 448,000 | 482,000 | 504,000 |
| Securities available for sale | 27,505,000 | 25,546,000 | 23,602,000 | 22,543,000 |
| Securities held to maturity | 1,881,000 | 1,838,000 | 1,607,000 | 1,581,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,516,000 | 118,580,000 | 119,377,000 | 127,015,000 |
| Interest-bearing deposits | 98,335,000 | 98,946,000 | 99,061,000 | 107,934,000 |
| Noninterest-bearing deposits | 18,181,000 | 19,634,000 | 20,316,000 | 19,081,000 |
| Equity capital | 11,319,000 | 11,487,000 | 12,107,000 | 12,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,780,000 | 3,574,000 | 5,422,000 | 7,317,000 |
| Interest expense | 464,000 | 935,000 | 1,403,000 | 1,906,000 |
| Net interest income | 1,316,000 | 2,639,000 | 4,019,000 | 5,411,000 |
| Noninterest income | 241,000 | 519,000 | 818,000 | 1,124,000 |
| Noninterest expense | 813,000 | 1,642,000 | 2,530,000 | 3,454,000 |
| Provision for loan losses | 17,000 | 27,000 | 66,000 | 90,000 |
| Pretax income | 728,000 | 1,504,000 | 2,252,000 | 3,007,000 |
| Income tax | 236,000 | 490,000 | 734,000 | 981,000 |
| Net income | 492,000 | 1,014,000 | 1,518,000 | 2,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,995,000 | 11,517,000 | 12,021,000 | 12,276,000 |
| Total capital | 11,435,000 | 11,965,000 | 12,503,000 | 12,780,000 |
| Risk-weighted assets | 75,482,000 | 77,968,000 | 82,550,000 | 87,275,000 |