Call reports 2015
ROUND TOP STATE BANK — 2015
What ROUND TOP STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 463,155,000 | 464,455,000 | 473,144,000 | 487,216,000 |
| Total loans | 229,675,000 | 241,577,000 | 253,669,000 | 268,354,000 |
| Allowance for loan losses | 1,744,000 | 1,851,000 | 1,953,000 | 2,028,000 |
| Securities available for sale | 182,264,000 | 201,054,000 | 187,122,000 | 187,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,572,000 | 414,862,000 | 424,667,000 | 439,300,000 |
| Interest-bearing deposits | 325,168,000 | 323,328,000 | 330,580,000 | 335,523,000 |
| Noninterest-bearing deposits | 91,404,000 | 91,534,000 | 94,087,000 | 103,777,000 |
| Equity capital | 45,623,000 | 45,764,000 | 47,579,000 | 47,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,741,000 | 7,588,000 | 11,524,000 | 15,632,000 |
| Interest expense | 630,000 | 1,288,000 | 1,954,000 | 2,629,000 |
| Net interest income | 3,111,000 | 6,300,000 | 9,570,000 | 13,003,000 |
| Noninterest income | 449,000 | 819,000 | 1,209,000 | 1,563,000 |
| Noninterest expense | 2,037,000 | 4,077,000 | 6,183,000 | 8,381,000 |
| Provision for loan losses | 88,000 | 191,000 | 293,000 | 395,000 |
| Pretax income | 1,435,000 | 2,857,000 | 4,312,000 | 5,794,000 |
| Income tax | 283,000 | 588,000 | 928,000 | 1,328,000 |
| Net income | 1,152,000 | 2,269,000 | 3,384,000 | 4,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,362,000 | 45,483,000 | 46,603,000 | 47,144,000 |
| Total capital | 46,106,000 | 47,334,000 | 48,556,000 | 49,172,000 |
| Risk-weighted assets | 244,929,000 | 264,469,000 | 261,561,000 | 272,327,000 |
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