Call reports 2012
ROUND TOP STATE BANK — 2012
What ROUND TOP STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 361,337,000 | 369,746,000 | 368,792,000 | 382,436,000 |
| Total loans | 134,178,000 | 137,597,000 | 138,456,000 | 139,823,000 |
| Allowance for loan losses | 971,000 | 976,000 | 973,000 | 974,000 |
| Securities available for sale | 189,444,000 | 190,994,000 | 200,410,000 | 200,486,000 |
| Securities held to maturity | 28,000 | 14,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,770,000 | 329,685,000 | 326,629,000 | 341,040,000 |
| Interest-bearing deposits | 266,813,000 | 270,822,000 | 266,315,000 | 275,943,000 |
| Noninterest-bearing deposits | 55,957,000 | 58,863,000 | 60,314,000 | 65,097,000 |
| Equity capital | 36,075,000 | 37,608,000 | 39,256,000 | 39,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,309,000 | 6,593,000 | 9,730,000 | 12,846,000 |
| Interest expense | 765,000 | 1,511,000 | 2,225,000 | 2,928,000 |
| Net interest income | 2,544,000 | 5,082,000 | 7,505,000 | 9,918,000 |
| Noninterest income | 402,000 | 774,000 | 1,286,000 | 1,783,000 |
| Noninterest expense | 1,674,000 | 3,397,000 | 5,071,000 | 6,828,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 1,444,000 | 2,839,000 | 4,412,000 | 6,130,000 |
| Income tax | 392,000 | 768,000 | 1,161,000 | 1,567,000 |
| Net income | 1,052,000 | 2,071,000 | 3,251,000 | 4,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,871,000 | 32,898,000 | 34,088,000 | 34,908,000 |
| Total capital | 32,842,000 | 33,874,000 | 35,061,000 | 35,882,000 |
| Risk-weighted assets | 158,970,000 | 160,683,000 | 162,447,000 | 166,703,000 |