Call reports 2013
ROSEDALE BANK — 2013
What ROSEDALE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 795,415,000 | 793,691,000 | 781,388,000 | 786,097,000 |
| Total loans | 484,817,000 | 484,483,000 | 498,051,000 | 514,454,000 |
| Allowance for loan losses | 3,460,000 | 3,413,000 | 3,759,000 | 4,156,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 164,439,000 | 209,955,000 | 222,989,000 | 226,641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 621,188,000 | 616,686,000 | 601,130,000 | 604,371,000 |
| Interest-bearing deposits | 615,609,000 | 609,578,000 | 595,846,000 | 598,462,000 |
| Noninterest-bearing deposits | 5,579,000 | 7,108,000 | 5,284,000 | 5,909,000 |
| Equity capital | 173,033,000 | 175,493,000 | 178,188,000 | 180,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,280,000 | 16,507,000 | 24,857,000 | 33,222,000 |
| Interest expense | 1,029,000 | 2,003,000 | 2,926,000 | 3,898,000 |
| Net interest income | 7,251,000 | 14,504,000 | 21,931,000 | 29,324,000 |
| Noninterest income | 35,000 | 55,000 | 19,000 | 41,000 |
| Noninterest expense | 2,783,000 | 5,794,000 | 8,691,000 | 11,583,000 |
| Provision for loan losses | -287,000 | -286,000 | 215,000 | 712,000 |
| Pretax income | 4,790,000 | 9,051,000 | 13,044,000 | 17,070,000 |
| Income tax | 2,025,000 | 3,826,000 | 5,124,000 | 6,776,000 |
| Net income | 2,765,000 | 5,225,000 | 7,920,000 | 10,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 173,033,000 | 175,493,000 | 178,188,000 | 180,562,000 |
| Total capital | 176,548,000 | 178,956,000 | 182,014,000 | 184,804,000 |
| Risk-weighted assets | 403,749,000 | 415,722,000 | 423,857,000 | 435,614,000 |