Call reports 2011
ROUND TOP STATE BANK — 2011
What ROUND TOP STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 320,131,000 | 322,482,000 | 350,603,000 | 354,904,000 |
| Total loans | 128,642,000 | 131,331,000 | 137,257,000 | 136,959,000 |
| Allowance for loan losses | 908,000 | 955,000 | 1,075,000 | 987,000 |
| Securities available for sale | 151,398,000 | 158,927,000 | 165,550,000 | 173,803,000 |
| Securities held to maturity | 81,000 | 68,000 | 79,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,732,000 | 287,813,000 | 312,297,000 | 317,755,000 |
| Interest-bearing deposits | 247,048,000 | 243,880,000 | 257,934,000 | 258,201,000 |
| Noninterest-bearing deposits | 40,684,000 | 43,933,000 | 54,363,000 | 59,554,000 |
| Equity capital | 30,569,000 | 32,594,000 | 35,265,000 | 35,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,329,000 | 6,719,000 | 10,115,000 | 13,459,000 |
| Interest expense | 888,000 | 1,723,000 | 2,526,000 | 3,309,000 |
| Net interest income | 2,441,000 | 4,996,000 | 7,589,000 | 10,150,000 |
| Noninterest income | 328,000 | 689,000 | 1,136,000 | 1,372,000 |
| Noninterest expense | 1,504,000 | 3,000,000 | 4,493,000 | 6,168,000 |
| Provision for loan losses | 60,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 1,305,000 | 2,695,000 | 4,581,000 | 5,804,000 |
| Income tax | 375,000 | 756,000 | 1,273,000 | 1,545,000 |
| Net income | 930,000 | 1,939,000 | 3,308,000 | 4,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,154,000 | 30,163,000 | 30,164,000 | 30,804,000 |
| Total capital | 30,062,000 | 31,118,000 | 31,239,000 | 31,791,000 |
| Risk-weighted assets | 148,684,000 | 149,842,000 | 160,008,000 | 159,565,000 |