Call reports 2014
ROUND TOP STATE BANK — 2014
What ROUND TOP STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 431,389,000 | 434,202,000 | 432,297,000 | 442,414,000 |
| Total loans | 191,346,000 | 203,792,000 | 214,917,000 | 221,572,000 |
| Allowance for loan losses | 1,459,000 | 1,588,000 | 1,606,000 | 1,652,000 |
| Securities available for sale | 210,171,000 | 189,698,000 | 176,659,000 | 184,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,037,000 | 391,607,000 | 388,732,000 | 397,865,000 |
| Interest-bearing deposits | 308,924,000 | 301,720,000 | 305,688,000 | 309,212,000 |
| Noninterest-bearing deposits | 81,113,000 | 89,887,000 | 83,044,000 | 88,653,000 |
| Equity capital | 40,226,000 | 41,839,000 | 42,707,000 | 44,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,468,000 | 7,035,000 | 10,671,000 | 14,376,000 |
| Interest expense | 687,000 | 1,361,000 | 2,022,000 | 2,668,000 |
| Net interest income | 2,781,000 | 5,674,000 | 8,649,000 | 11,708,000 |
| Noninterest income | 521,000 | 962,000 | 1,345,000 | 1,704,000 |
| Noninterest expense | 1,838,000 | 3,668,000 | 5,552,000 | 7,458,000 |
| Provision for loan losses | 116,000 | 241,000 | 267,000 | 311,000 |
| Pretax income | 1,344,000 | 2,757,000 | 4,206,000 | 5,674,000 |
| Income tax | 295,000 | 627,000 | 952,000 | 1,202,000 |
| Net income | 1,049,000 | 2,130,000 | 3,254,000 | 4,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,113,000 | 41,205,000 | 42,339,000 | 43,024,000 |
| Total capital | 41,572,000 | 42,793,000 | 43,945,000 | 44,676,000 |
| Risk-weighted assets | 212,394,000 | 220,382,000 | 228,555,000 | 234,655,000 |