Call reports 2005
ROUND TOP STATE BANK — 2005
What ROUND TOP STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 141,815,000 | 146,217,000 | 152,642,000 | 163,663,000 |
| Total loans | 96,142,000 | 97,211,000 | 100,555,000 | 103,843,000 |
| Allowance for loan losses | 496,000 | 489,000 | 489,000 | 479,000 |
| Securities available for sale | 20,078,000 | 22,928,000 | 21,903,000 | 27,239,000 |
| Securities held to maturity | 1,466,000 | 1,288,000 | 1,277,000 | 1,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,332,000 | 132,213,000 | 138,196,000 | 147,348,000 |
| Interest-bearing deposits | 106,641,000 | 108,323,000 | 112,694,000 | 121,340,000 |
| Noninterest-bearing deposits | 21,691,000 | 23,890,000 | 25,502,000 | 26,008,000 |
| Equity capital | 12,743,000 | 13,319,000 | 13,766,000 | 14,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,963,000 | 4,010,000 | 6,141,000 | 8,450,000 |
| Interest expense | 536,000 | 1,115,000 | 1,768,000 | 2,527,000 |
| Net interest income | 1,427,000 | 2,895,000 | 4,373,000 | 5,923,000 |
| Noninterest income | 332,000 | 638,000 | 961,000 | 1,268,000 |
| Noninterest expense | 992,000 | 1,961,000 | 2,995,000 | 4,023,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 785,000 | 1,587,000 | 2,354,000 | 3,183,000 |
| Income tax | 257,000 | 520,000 | 773,000 | 1,034,000 |
| Net income | 528,000 | 1,067,000 | 1,581,000 | 2,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,804,000 | 13,343,000 | 13,857,000 | 14,151,000 |
| Total capital | 13,300,000 | 13,832,000 | 14,346,000 | 14,630,000 |
| Risk-weighted assets | 89,883,000 | 92,779,000 | 96,599,000 | 102,042,000 |
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