Call reports 2016
ROSEDALE BANK — 2016
What ROSEDALE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 816,293,000 | 822,017,000 | 822,080,000 | 826,103,000 |
| Total loans | 528,256,000 | 540,031,000 | 551,467,000 | 549,368,000 |
| Allowance for loan losses | 4,704,000 | 4,651,000 | 4,841,000 | 4,732,000 |
| Securities available for sale | 43,157,000 | 91,853,000 | 93,614,000 | 120,417,000 |
| Securities held to maturity | 132,639,000 | 66,863,000 | 37,952,000 | 35,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 611,312,000 | 614,208,000 | 614,764,000 | 619,855,000 |
| Interest-bearing deposits | 601,390,000 | 602,784,000 | 603,886,000 | 609,272,000 |
| Noninterest-bearing deposits | 9,922,000 | 11,424,000 | 10,878,000 | 10,583,000 |
| Equity capital | 201,685,000 | 203,650,000 | 204,885,000 | 205,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,738,000 | 15,364,000 | 22,773,000 | 30,250,000 |
| Interest expense | 1,001,000 | 2,010,000 | 3,040,000 | 4,087,000 |
| Net interest income | 6,737,000 | 13,354,000 | 19,733,000 | 26,163,000 |
| Noninterest income | -80,000 | -6,000 | 276,000 | 419,000 |
| Noninterest expense | 3,791,000 | 7,687,000 | 11,905,000 | 15,621,000 |
| Provision for loan losses | -2,446,000 | -1,961,000 | -1,650,000 | -2,119,000 |
| Pretax income | 5,312,000 | 7,622,000 | 9,754,000 | 13,080,000 |
| Income tax | 2,245,000 | 3,010,000 | 3,911,000 | 4,660,000 |
| Net income | 3,067,000 | 4,612,000 | 5,843,000 | 8,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 201,531,000 | 203,075,000 | 204,306,000 | 206,883,000 |
| Total capital | 206,315,000 | 207,842,000 | 209,207,000 | 211,745,000 |
| Risk-weighted assets | 447,382,000 | 455,850,000 | 461,484,000 | 466,682,000 |