Call reports 2006
ROUND TOP STATE BANK — 2006
What ROUND TOP STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 162,125,000 | 166,421,000 | 169,707,000 | 179,362,000 |
| Total loans | 105,959,000 | 108,886,000 | 109,332,000 | 112,485,000 |
| Allowance for loan losses | 475,000 | 464,000 | 465,000 | 455,000 |
| Securities available for sale | 30,505,000 | 29,721,000 | 29,167,000 | 31,513,000 |
| Securities held to maturity | 1,160,000 | 1,149,000 | 1,138,000 | 1,127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,999,000 | 151,111,000 | 153,132,000 | 162,383,000 |
| Interest-bearing deposits | 118,083,000 | 120,087,000 | 124,251,000 | 129,785,000 |
| Noninterest-bearing deposits | 28,916,000 | 31,024,000 | 28,881,000 | 32,598,000 |
| Equity capital | 14,458,000 | 14,784,000 | 15,518,000 | 15,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,332,000 | 4,783,000 | 7,368,000 | 10,080,000 |
| Interest expense | 817,000 | 1,706,000 | 2,722,000 | 3,860,000 |
| Net interest income | 1,515,000 | 3,077,000 | 4,646,000 | 6,220,000 |
| Noninterest income | 283,000 | 593,000 | 917,000 | 1,276,000 |
| Noninterest expense | 1,047,000 | 2,075,000 | 3,119,000 | 4,187,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 751,000 | 1,595,000 | 2,444,000 | 3,309,000 |
| Income tax | 244,000 | 505,000 | 771,000 | 1,040,000 |
| Net income | 507,000 | 1,090,000 | 1,673,000 | 2,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,761,000 | 15,241,000 | 15,824,000 | 16,134,000 |
| Total capital | 15,236,000 | 15,705,000 | 16,289,000 | 16,589,000 |
| Risk-weighted assets | 102,512,000 | 106,568,000 | 107,580,000 | 111,544,000 |
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