Call reports 2020
ROUND TOP STATE BANK — 2020
What ROUND TOP STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 619,883,000 | 672,290,000 | 681,775,000 | 709,988,000 |
| Total loans | 394,550,000 | 422,717,000 | 436,229,000 | 424,655,000 |
| Allowance for loan losses | 3,099,000 | 3,599,000 | 3,601,000 | 3,997,000 |
| Securities available for sale | 161,662,000 | 139,594,000 | 150,707,000 | 174,606,000 |
| Securities held to maturity | 2,995,000 | 2,978,000 | 2,960,000 | 2,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,155,000 | 593,204,000 | 601,837,000 | 630,830,000 |
| Interest-bearing deposits | 404,524,000 | 421,137,000 | 430,088,000 | 455,149,000 |
| Noninterest-bearing deposits | 140,631,000 | 172,067,000 | 171,749,000 | 175,681,000 |
| Equity capital | 73,102,000 | 76,713,000 | 78,599,000 | 78,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,196,000 | 12,847,000 | 18,824,000 | 24,728,000 |
| Interest expense | 1,462,000 | 2,796,000 | 4,008,000 | 5,071,000 |
| Net interest income | 4,734,000 | 10,051,000 | 14,816,000 | 19,657,000 |
| Noninterest income | 426,000 | 805,000 | 1,198,000 | 1,567,000 |
| Noninterest expense | 2,730,000 | 5,567,000 | 8,571,000 | 11,345,000 |
| Provision for loan losses | 0 | 649,000 | 649,000 | 1,049,000 |
| Pretax income | 2,519,000 | 5,531,000 | 7,685,000 | 9,886,000 |
| Income tax | 489,000 | 1,074,000 | 1,460,000 | 1,836,000 |
| Net income | 2,030,000 | 4,457,000 | 6,225,000 | 8,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,572,000 | 74,009,000 | 75,788,000 | 76,179,000 |