Call reports 2021
ROUND TOP STATE BANK — 2021
What ROUND TOP STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 741,510,000 | 777,280,000 | 808,905,000 | 823,785,000 |
| Total loans | 436,845,000 | 446,283,000 | 451,550,000 | 448,568,000 |
| Allowance for loan losses | 3,997,000 | 3,995,000 | 4,145,000 | 4,245,000 |
| Securities available for sale | 194,409,000 | 222,380,000 | 250,546,000 | 269,040,000 |
| Securities held to maturity | 2,358,000 | 2,342,000 | 2,162,000 | 4,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,433,000 | 694,241,000 | 722,744,000 | 739,636,000 |
| Interest-bearing deposits | 467,726,000 | 485,235,000 | 520,604,000 | 536,571,000 |
| Noninterest-bearing deposits | 192,707,000 | 209,006,000 | 202,140,000 | 203,065,000 |
| Equity capital | 79,566,000 | 81,949,000 | 85,097,000 | 83,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,974,000 | 12,554,000 | 19,335,000 | 25,782,000 |
| Interest expense | 919,000 | 1,733,000 | 2,522,000 | 3,294,000 |
| Net interest income | 5,055,000 | 10,821,000 | 16,813,000 | 22,488,000 |
| Noninterest income | 345,000 | 721,000 | 1,149,000 | 1,507,000 |
| Noninterest expense | 2,772,000 | 5,700,000 | 8,642,000 | 11,616,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 250,000 |
| Pretax income | 2,843,000 | 6,057,000 | 9,385,000 | 12,344,000 |
| Income tax | 515,000 | 1,116,000 | 1,730,000 | 2,309,000 |
| Net income | 2,328,000 | 4,941,000 | 7,655,000 | 10,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,515,000 | 81,128,000 | 83,842,000 | 84,547,000 |
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