Call reports 2019
ROUND TOP STATE BANK — 2019
What ROUND TOP STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 565,437,000 | 580,348,000 | 596,323,000 | 604,795,000 |
| Total loans | 377,252,000 | 380,724,000 | 381,362,000 | 389,722,000 |
| Allowance for loan losses | 3,063,000 | 3,053,000 | 3,035,000 | 3,102,000 |
| Securities available for sale | 140,490,000 | 144,951,000 | 150,036,000 | 164,039,000 |
| Securities held to maturity | 1,825,000 | 3,244,000 | 3,224,000 | 3,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,446,000 | 511,994,000 | 525,484,000 | 533,686,000 |
| Interest-bearing deposits | 367,026,000 | 370,321,000 | 381,493,000 | 391,392,000 |
| Noninterest-bearing deposits | 133,420,000 | 141,673,000 | 143,991,000 | 142,294,000 |
| Equity capital | 63,592,000 | 67,248,000 | 69,496,000 | 70,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,563,000 | 11,301,000 | 17,212,000 | 23,306,000 |
| Interest expense | 1,176,000 | 2,472,000 | 3,869,000 | 5,331,000 |
| Net interest income | 4,387,000 | 8,829,000 | 13,343,000 | 17,975,000 |
| Noninterest income | 430,000 | 855,000 | 1,307,000 | 1,709,000 |
| Noninterest expense | 2,576,000 | 5,185,000 | 7,808,000 | 10,387,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 2,241,000 | 4,560,000 | 7,012,000 | 9,448,000 |
| Income tax | 426,000 | 870,000 | 1,336,000 | 1,816,000 |
| Net income | 1,815,000 | 3,690,000 | 5,676,000 | 7,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,150,000 | 66,980,000 | 68,978,000 | 69,643,000 |
| Total capital | 68,213,000 | 70,033,000 | 72,013,000 | 72,745,000 |
| Risk-weighted assets | 354,121,000 | 357,473,000 | 362,053,000 | 374,377,000 |