Call reports 2022
ROUND TOP STATE BANK — 2022
What ROUND TOP STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 837,204,000 | 844,739,000 | 853,551,000 | 854,876,000 |
| Total loans | 457,173,000 | 483,671,000 | 496,850,000 | 512,151,000 |
| Allowance for loan losses | 4,250,000 | 4,560,000 | 4,690,000 | 4,880,000 |
| Securities available for sale | 285,569,000 | 273,555,000 | 274,771,000 | 279,623,000 |
| Securities held to maturity | 4,827,000 | 4,586,000 | 4,557,000 | 6,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 763,305,000 | 780,329,000 | 790,297,000 | 790,558,000 |
| Interest-bearing deposits | 542,552,000 | 543,993,000 | 562,449,000 | 577,809,000 |
| Noninterest-bearing deposits | 220,753,000 | 236,336,000 | 227,848,000 | 212,749,000 |
| Equity capital | 72,547,000 | 63,431,000 | 62,065,000 | 63,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,531,000 | 13,408,000 | 20,940,000 | 28,923,000 |
| Interest expense | 740,000 | 1,497,000 | 2,554,000 | 4,160,000 |
| Net interest income | 5,791,000 | 11,911,000 | 18,386,000 | 24,763,000 |
| Noninterest income | 432,000 | 873,000 | 1,181,000 | 1,533,000 |
| Noninterest expense | 3,120,000 | 6,206,000 | 9,335,000 | 12,621,000 |
| Provision for loan losses | 0 | 310,000 | 440,000 | 640,000 |
| Pretax income | 3,103,000 | 6,268,000 | 9,792,000 | 13,035,000 |
| Income tax | 563,000 | 1,138,000 | 1,789,000 | 2,336,000 |
| Net income | 2,540,000 | 5,130,000 | 8,003,000 | 10,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,087,000 | 89,677,000 | 92,550,000 | 92,934,000 |