Call reports 2008
ROUND TOP STATE BANK — 2008
What ROUND TOP STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 218,300,000 | 231,428,000 | 238,840,000 | 244,980,000 |
| Total loans | 123,455,000 | 125,742,000 | 130,901,000 | 132,273,000 |
| Allowance for loan losses | 515,000 | 507,000 | 507,000 | 504,000 |
| Securities available for sale | 55,415,000 | 63,742,000 | 75,588,000 | 80,839,000 |
| Securities held to maturity | 867,000 | 651,000 | 439,000 | 428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,004,000 | 210,276,000 | 216,160,000 | 220,862,000 |
| Interest-bearing deposits | 161,036,000 | 174,151,000 | 179,415,000 | 182,245,000 |
| Noninterest-bearing deposits | 35,968,000 | 36,125,000 | 36,745,000 | 38,617,000 |
| Equity capital | 19,780,000 | 19,848,000 | 21,335,000 | 22,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,240,000 | 6,569,000 | 10,002,000 | 13,592,000 |
| Interest expense | 1,461,000 | 2,904,000 | 4,313,000 | 5,670,000 |
| Net interest income | 1,779,000 | 3,665,000 | 5,689,000 | 7,922,000 |
| Noninterest income | 495,000 | 943,000 | 1,441,000 | 1,751,000 |
| Noninterest expense | 1,202,000 | 2,434,000 | 3,685,000 | 5,018,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 1,066,000 | 2,161,000 | 3,433,000 | 4,643,000 |
| Income tax | 338,000 | 687,000 | 1,092,000 | 1,475,000 |
| Net income | 728,000 | 1,474,000 | 2,341,000 | 3,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,239,000 | 19,984,000 | 20,852,000 | 21,307,000 |
| Total capital | 19,754,000 | 20,491,000 | 21,359,000 | 21,811,000 |
| Risk-weighted assets | 126,476,000 | 131,118,000 | 134,767,000 | 136,298,000 |