Call reports 2013
ROUND TOP STATE BANK — 2013
What ROUND TOP STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 389,333,000 | 392,512,000 | 408,256,000 | 420,512,000 |
| Total loans | 145,277,000 | 157,978,000 | 173,219,000 | 178,866,000 |
| Allowance for loan losses | 1,044,000 | 1,183,000 | 1,348,000 | 1,348,000 |
| Securities available for sale | 214,528,000 | 209,059,000 | 206,567,000 | 206,588,000 |
| Securities held to maturity | 0 | 1,406,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,786,000 | 355,183,000 | 370,199,000 | 382,230,000 |
| Interest-bearing deposits | 281,313,000 | 289,658,000 | 298,741,000 | 298,390,000 |
| Noninterest-bearing deposits | 66,473,000 | 65,525,000 | 71,458,000 | 83,840,000 |
| Equity capital | 39,249,000 | 36,689,000 | 37,218,000 | 37,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,211,000 | 6,494,000 | 9,881,000 | 13,351,000 |
| Interest expense | 696,000 | 1,410,000 | 2,144,000 | 2,865,000 |
| Net interest income | 2,515,000 | 5,084,000 | 7,737,000 | 10,486,000 |
| Noninterest income | 469,000 | 929,000 | 1,793,000 | 2,250,000 |
| Noninterest expense | 1,772,000 | 3,440,000 | 5,155,000 | 6,828,000 |
| Provision for loan losses | 71,000 | 181,000 | 347,000 | 347,000 |
| Pretax income | 1,349,000 | 2,764,000 | 4,453,000 | 5,986,000 |
| Income tax | 351,000 | 682,000 | 1,081,000 | 1,384,000 |
| Net income | 998,000 | 2,082,000 | 3,372,000 | 4,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,918,000 | 37,013,000 | 38,314,000 | 39,052,000 |
| Total capital | 36,962,000 | 38,196,000 | 39,662,000 | 40,400,000 |
| Risk-weighted assets | 172,619,000 | 182,603,000 | 196,424,000 | 203,278,000 |
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