Call reports 2017
ROUND TOP STATE BANK — 2017
What ROUND TOP STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 506,170,000 | 510,156,000 | 522,931,000 | 525,232,000 |
| Total loans | 331,808,000 | 339,173,000 | 346,465,000 | 347,886,000 |
| Allowance for loan losses | 2,608,000 | 2,681,000 | 2,749,000 | 2,756,000 |
| Securities available for sale | 139,170,000 | 138,035,000 | 136,470,000 | 154,895,000 |
| Securities held to maturity | 0 | 1,171,000 | 1,161,000 | 1,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,220,000 | 454,311,000 | 465,458,000 | 467,210,000 |
| Interest-bearing deposits | 339,376,000 | 339,917,000 | 346,059,000 | 340,998,000 |
| Noninterest-bearing deposits | 112,844,000 | 114,394,000 | 119,399,000 | 126,212,000 |
| Equity capital | 52,569,000 | 54,947,000 | 56,439,000 | 55,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,533,000 | 9,215,000 | 14,020,000 | 18,904,000 |
| Interest expense | 675,000 | 1,361,000 | 2,074,000 | 2,816,000 |
| Net interest income | 3,858,000 | 7,854,000 | 11,946,000 | 16,088,000 |
| Noninterest income | 446,000 | 835,000 | 1,259,000 | 1,679,000 |
| Noninterest expense | 2,248,000 | 4,529,000 | 6,805,000 | 9,079,000 |
| Provision for loan losses | 46,000 | 118,000 | 184,000 | 200,000 |
| Pretax income | 2,010,000 | 4,151,000 | 6,325,000 | 8,595,000 |
| Income tax | 539,000 | 1,176,000 | 1,806,000 | 3,124,000 |
| Net income | 1,471,000 | 2,975,000 | 4,519,000 | 5,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,538,000 | 55,051,000 | 56,605,000 | 56,809,000 |
| Total capital | 56,146,000 | 57,732,000 | 59,354,000 | 59,565,000 |
| Risk-weighted assets | 313,089,000 | 314,962,000 | 321,972,000 | 322,732,000 |