Call reports 2023
ROUND TOP STATE BANK — 2023
What ROUND TOP STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 869,478,000 | 849,762,000 | 850,357,000 | 879,588,000 |
| Total loans | 515,897,000 | 527,893,000 | 537,919,000 | 552,813,000 |
| Allowance for loan losses | 4,867,000 | 4,869,000 | 4,869,000 | 4,996,000 |
| Securities available for sale | 267,900,000 | 246,489,000 | 233,537,000 | 240,973,000 |
| Securities held to maturity | 6,806,000 | 6,609,000 | 6,567,000 | 6,526,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 796,985,000 | 779,921,000 | 782,925,000 | 801,757,000 |
| Interest-bearing deposits | 580,412,000 | 573,897,000 | 576,563,000 | 598,817,000 |
| Noninterest-bearing deposits | 216,573,000 | 206,024,000 | 206,362,000 | 202,940,000 |
| Equity capital | 70,687,000 | 68,316,000 | 65,354,000 | 75,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,979,000 | 16,528,000 | 25,378,000 | 34,792,000 |
| Interest expense | 2,115,000 | 4,715,000 | 7,894,000 | 11,786,000 |
| Net interest income | 5,864,000 | 11,813,000 | 17,484,000 | 23,006,000 |
| Noninterest income | 424,000 | 862,000 | 1,294,000 | 1,685,000 |
| Noninterest expense | 3,462,000 | 7,093,000 | 10,655,000 | 14,183,000 |
| Provision for loan losses | 0 | 0 | 0 | 130,000 |
| Pretax income | 2,834,000 | 5,590,000 | 8,131,000 | 10,386,000 |
| Income tax | 511,000 | 1,009,000 | 1,463,000 | 1,864,000 |
| Net income | 2,323,000 | 4,581,000 | 6,668,000 | 8,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,257,000 | 97,515,000 | 99,602,000 | 100,156,000 |