Call reports 2018
ROUND TOP STATE BANK — 2018
What ROUND TOP STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 538,039,000 | 545,325,000 | 551,617,000 | 560,226,000 |
| Total loans | 347,847,000 | 358,932,000 | 365,466,000 | 369,623,000 |
| Allowance for loan losses | 2,752,000 | 2,873,000 | 2,942,000 | 3,081,000 |
| Securities available for sale | 150,780,000 | 145,691,000 | 134,971,000 | 134,938,000 |
| Securities held to maturity | 1,138,000 | 1,867,000 | 1,850,000 | 1,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,564,000 | 476,407,000 | 485,832,000 | 498,806,000 |
| Interest-bearing deposits | 347,253,000 | 351,665,000 | 350,819,000 | 354,345,000 |
| Noninterest-bearing deposits | 123,311,000 | 124,742,000 | 135,013,000 | 144,461,000 |
| Equity capital | 55,959,000 | 57,552,000 | 59,214,000 | 60,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,865,000 | 9,905,000 | 15,274,000 | 20,825,000 |
| Interest expense | 781,000 | 1,671,000 | 2,681,000 | 3,795,000 |
| Net interest income | 4,084,000 | 8,234,000 | 12,593,000 | 17,030,000 |
| Noninterest income | 413,000 | 849,000 | 1,268,000 | 1,712,000 |
| Noninterest expense | 2,337,000 | 4,724,000 | 7,100,000 | 9,653,000 |
| Provision for loan losses | 0 | 123,000 | 174,000 | 319,000 |
| Pretax income | 2,160,000 | 4,236,000 | 6,587,000 | 8,770,000 |
| Income tax | 395,000 | 769,000 | 1,212,000 | 1,605,000 |
| Net income | 1,765,000 | 3,467,000 | 5,375,000 | 7,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,909,000 | 60,622,000 | 62,542,000 | 63,335,000 |
| Total capital | 61,661,000 | 63,495,000 | 65,484,000 | 66,416,000 |
| Risk-weighted assets | 325,847,000 | 335,016,000 | 341,158,000 | 346,137,000 |