Call reports 2016
ROUND TOP STATE BANK — 2016
What ROUND TOP STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 487,623,000 | 489,417,000 | 492,216,000 | 495,997,000 |
| Total loans | 283,221,000 | 295,166,000 | 312,903,000 | 327,414,000 |
| Allowance for loan losses | 2,150,000 | 2,282,000 | 2,470,000 | 2,562,000 |
| Securities available for sale | 181,449,000 | 170,099,000 | 158,335,000 | 144,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,268,000 | 437,246,000 | 438,376,000 | 444,786,000 |
| Interest-bearing deposits | 337,269,000 | 339,362,000 | 333,229,000 | 334,124,000 |
| Noninterest-bearing deposits | 99,999,000 | 97,884,000 | 105,147,000 | 110,662,000 |
| Equity capital | 49,476,000 | 51,285,000 | 52,784,000 | 50,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,206,000 | 8,610,000 | 13,043,000 | 17,574,000 |
| Interest expense | 674,000 | 1,354,000 | 2,043,000 | 2,735,000 |
| Net interest income | 3,532,000 | 7,256,000 | 11,000,000 | 14,839,000 |
| Noninterest income | 267,000 | 652,000 | 1,061,000 | 1,421,000 |
| Noninterest expense | 2,301,000 | 4,469,000 | 6,637,000 | 8,836,000 |
| Provision for loan losses | 141,000 | 272,000 | 458,000 | 552,000 |
| Pretax income | 1,572,000 | 3,575,000 | 5,567,000 | 7,574,000 |
| Income tax | 436,000 | 996,000 | 1,549,000 | 2,099,000 |
| Net income | 1,136,000 | 2,579,000 | 4,018,000 | 5,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,419,000 | 49,874,000 | 51,320,000 | 52,101,000 |
| Total capital | 50,569,000 | 52,156,000 | 53,790,000 | 54,663,000 |
| Risk-weighted assets | 282,593,000 | 289,764,000 | 301,484,000 | 310,726,000 |