Call reports 2024
ROUND TOP STATE BANK — 2024
What ROUND TOP STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 939,601,000 | 935,743,000 | 887,220,000 | 882,509,000 |
| Total loans | 565,152,000 | 574,835,000 | 576,306,000 | 565,715,000 |
| Allowance for loan losses | 5,102,000 | 5,215,000 | 5,215,000 | 5,211,000 |
| Securities available for sale | 228,332,000 | 224,179,000 | 226,451,000 | 236,533,000 |
| Securities held to maturity | 6,480,000 | 6,220,000 | 6,175,000 | 6,116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 800,559,000 | 793,511,000 | 797,284,000 | 799,813,000 |
| Interest-bearing deposits | 607,726,000 | 598,073,000 | 606,667,000 | 611,739,000 |
| Noninterest-bearing deposits | 192,833,000 | 195,438,000 | 190,617,000 | 188,074,000 |
| Equity capital | 75,716,000 | 78,343,000 | 86,623,000 | 80,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 10,351,000 | 21,019,000 | 31,994,000 | 42,458,000 |
| Interest expense | 4,882,000 | 10,173,000 | 15,548,000 | 20,240,000 |
| Net interest income | 5,469,000 | 10,846,000 | 16,446,000 | 22,218,000 |
| Noninterest income | 413,000 | 864,000 | 1,283,000 | 1,719,000 |
| Noninterest expense | 3,604,000 | 7,072,000 | 10,662,000 | 14,169,000 |
| Provision for loan losses | 122,000 | 235,000 | 235,000 | 235,000 |
| Pretax income | 2,156,000 | 4,403,000 | 6,832,000 | 9,533,000 |
| Income tax | 382,000 | 806,000 | 1,216,000 | 1,705,000 |
| Net income | 1,774,000 | 3,597,000 | 5,616,000 | 7,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,930,000 | 103,510,000 | 105,529,000 | 105,420,000 |