Call reports 2009
ROUND TOP STATE BANK — 2009
What ROUND TOP STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 263,050,000 | 275,443,000 | 289,382,000 | 298,610,000 |
| Total loans | 129,525,000 | 131,343,000 | 134,711,000 | 137,885,000 |
| Allowance for loan losses | 524,000 | 530,000 | 529,000 | 508,000 |
| Securities available for sale | 98,004,000 | 108,889,000 | 113,669,000 | 116,233,000 |
| Securities held to maturity | 301,000 | 289,000 | 277,000 | 264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,810,000 | 249,898,000 | 261,346,000 | 269,893,000 |
| Interest-bearing deposits | 198,088,000 | 212,398,000 | 226,534,000 | 233,266,000 |
| Noninterest-bearing deposits | 38,722,000 | 37,500,000 | 34,812,000 | 36,627,000 |
| Equity capital | 23,798,000 | 24,074,000 | 26,110,000 | 26,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,512,000 | 7,140,000 | 10,808,000 | 14,488,000 |
| Interest expense | 1,284,000 | 2,539,000 | 3,823,000 | 5,074,000 |
| Net interest income | 2,228,000 | 4,601,000 | 6,985,000 | 9,414,000 |
| Noninterest income | 348,000 | 790,000 | 1,232,000 | 1,586,000 |
| Noninterest expense | 1,309,000 | 2,625,000 | 4,174,000 | 5,594,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 1,239,000 | 2,738,000 | 4,015,000 | 5,378,000 |
| Income tax | 394,000 | 868,000 | 1,272,000 | 1,680,000 |
| Net income | 845,000 | 1,870,000 | 2,743,000 | 3,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,152,000 | 23,176,000 | 24,049,000 | 24,585,000 |
| Total capital | 22,676,000 | 23,706,000 | 24,578,000 | 25,093,000 |
| Risk-weighted assets | 138,223,000 | 141,588,000 | 145,512,000 | 149,671,000 |