Call reports 2015
ROSEDALE BANK — 2015
What ROSEDALE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 806,146,000 | 806,194,000 | 799,123,000 | 804,417,000 |
| Total loans | 506,475,000 | 509,305,000 | 509,733,000 | 519,883,000 |
| Allowance for loan losses | 4,038,000 | 4,450,000 | 4,457,000 | 4,489,000 |
| Securities available for sale | 5,012,000 | 23,499,000 | 24,368,000 | 33,289,000 |
| Securities held to maturity | 205,260,000 | 202,956,000 | 190,811,000 | 179,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,753,000 | 610,642,000 | 600,556,000 | 604,939,000 |
| Interest-bearing deposits | 600,248,000 | 599,390,000 | 590,247,000 | 595,913,000 |
| Noninterest-bearing deposits | 10,505,000 | 11,252,000 | 10,309,000 | 9,026,000 |
| Equity capital | 193,372,000 | 193,980,000 | 196,151,000 | 198,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,319,000 | 16,018,000 | 24,151,000 | 32,143,000 |
| Interest expense | 995,000 | 2,003,000 | 3,006,000 | 4,013,000 |
| Net interest income | 7,324,000 | 14,015,000 | 21,145,000 | 28,130,000 |
| Noninterest income | -142,000 | -467,000 | -548,000 | -573,000 |
| Noninterest expense | 3,507,000 | 7,193,000 | 10,851,000 | 14,310,000 |
| Provision for loan losses | -31,000 | 1,299,000 | 1,256,000 | 1,499,000 |
| Pretax income | 3,706,000 | 5,056,000 | 8,490,000 | 11,748,000 |
| Income tax | 1,583,000 | 2,125,000 | 3,510,000 | 4,527,000 |
| Net income | 2,123,000 | 2,931,000 | 4,980,000 | 7,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 193,372,000 | 194,173,000 | 196,222,000 | 198,463,000 |
| Total capital | 197,483,000 | 198,697,000 | 200,762,000 | 203,036,000 |
| Risk-weighted assets | 434,336,000 | 434,041,000 | 437,781,000 | 443,198,000 |