Call reports 2007
ROUND TOP STATE BANK — 2007
What ROUND TOP STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 181,289,000 | 188,755,000 | 201,190,000 | 209,323,000 |
| Total loans | 116,783,000 | 119,687,000 | 122,274,000 | 123,285,000 |
| Allowance for loan losses | 417,000 | 435,000 | 460,000 | 505,000 |
| Securities available for sale | 30,436,000 | 34,368,000 | 38,975,000 | 40,510,000 |
| Securities held to maturity | 1,016,000 | 1,005,000 | 994,000 | 983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,646,000 | 170,743,000 | 181,736,000 | 189,190,000 |
| Interest-bearing deposits | 133,776,000 | 139,603,000 | 143,150,000 | 152,038,000 |
| Noninterest-bearing deposits | 29,870,000 | 31,140,000 | 38,586,000 | 37,152,000 |
| Equity capital | 16,526,000 | 16,863,000 | 17,933,000 | 18,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,783,000 | 5,776,000 | 8,922,000 | 12,215,000 |
| Interest expense | 1,229,000 | 2,558,000 | 3,963,000 | 5,425,000 |
| Net interest income | 1,554,000 | 3,218,000 | 4,959,000 | 6,790,000 |
| Noninterest income | 363,000 | 759,000 | 1,172,000 | 1,721,000 |
| Noninterest expense | 1,103,000 | 2,217,000 | 3,354,000 | 4,465,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 110,000 |
| Pretax income | 814,000 | 1,729,000 | 2,716,000 | 3,935,000 |
| Income tax | 256,000 | 540,000 | 849,000 | 1,245,000 |
| Net income | 558,000 | 1,189,000 | 1,867,000 | 2,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,692,000 | 17,323,000 | 18,001,000 | 18,511,000 |
| Total capital | 17,109,000 | 17,758,000 | 18,461,000 | 19,016,000 |
| Risk-weighted assets | 114,717,000 | 118,800,000 | 123,437,000 | 126,923,000 |