Call reports 2010
ROUND TOP STATE BANK — 2010
What ROUND TOP STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 298,601,000 | 307,072,000 | 315,281,000 | 317,512,000 |
| Total loans | 137,656,000 | 135,231,000 | 134,496,000 | 130,158,000 |
| Allowance for loan losses | 593,000 | 540,000 | 644,000 | 801,000 |
| Securities available for sale | 113,895,000 | 121,523,000 | 125,033,000 | 142,380,000 |
| Securities held to maturity | 132,000 | 120,000 | 107,000 | 94,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,264,000 | 275,948,000 | 282,337,000 | 286,513,000 |
| Interest-bearing deposits | 231,747,000 | 237,709,000 | 240,846,000 | 245,475,000 |
| Noninterest-bearing deposits | 36,517,000 | 38,239,000 | 41,491,000 | 41,038,000 |
| Equity capital | 27,903,000 | 29,041,000 | 30,496,000 | 29,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,486,000 | 7,062,000 | 10,517,000 | 13,910,000 |
| Interest expense | 1,152,000 | 2,212,000 | 3,224,000 | 4,187,000 |
| Net interest income | 2,334,000 | 4,850,000 | 7,293,000 | 9,723,000 |
| Noninterest income | 374,000 | 756,000 | 1,159,000 | 1,491,000 |
| Noninterest expense | 1,411,000 | 2,807,000 | 4,227,000 | 5,558,000 |
| Provision for loan losses | 85,000 | 380,000 | 480,000 | 630,000 |
| Pretax income | 1,644,000 | 2,905,000 | 4,367,000 | 5,782,000 |
| Income tax | 514,000 | 895,000 | 1,324,000 | 1,662,000 |
| Net income | 1,130,000 | 2,010,000 | 3,043,000 | 4,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,715,000 | 26,595,000 | 27,628,000 | 28,224,000 |
| Total capital | 26,308,000 | 27,135,000 | 28,272,000 | 29,024,000 |
| Risk-weighted assets | 149,119,000 | 147,164,000 | 149,677,000 | 148,908,000 |
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