Call reports 2008
RONDOUT SAVINGS BANK — 2008
What RONDOUT SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 199,811,000 | 205,608,000 | 205,961,000 | 213,658,000 |
| Total loans | 137,992,000 | 144,740,000 | 142,768,000 | 144,235,000 |
| Allowance for loan losses | 660,000 | 651,000 | 680,000 | 732,000 |
| Securities available for sale | 39,985,000 | 37,628,000 | 36,879,000 | 40,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,405,000 | 167,712,000 | 168,367,000 | 176,110,000 |
| Interest-bearing deposits | 138,386,000 | 141,714,000 | 143,577,000 | 152,827,000 |
| Noninterest-bearing deposits | 23,019,000 | 25,998,000 | 24,790,000 | 23,283,000 |
| Equity capital | 25,635,000 | 25,599,000 | 25,795,000 | 24,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,756,000 | 5,505,000 | 8,337,000 | 11,133,000 |
| Interest expense | 925,000 | 1,832,000 | 2,671,000 | 3,560,000 |
| Net interest income | 1,831,000 | 3,673,000 | 5,666,000 | 7,573,000 |
| Noninterest income | 326,000 | 635,000 | 1,033,000 | 1,447,000 |
| Noninterest expense | 1,735,000 | 3,493,000 | 5,344,000 | 6,973,000 |
| Provision for loan losses | 47,000 | 81,000 | 113,000 | 165,000 |
| Pretax income | 375,000 | 734,000 | 1,242,000 | 1,882,000 |
| Income tax | 155,000 | 295,000 | 494,000 | 874,000 |
| Net income | 220,000 | 439,000 | 748,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,848,000 | 26,064,000 | 26,325,000 | 26,550,000 |
| Total capital | 26,508,000 | 26,715,000 | 27,005,000 | 27,282,000 |
| Risk-weighted assets | 133,770,000 | 140,374,000 | 141,594,000 | 145,225,000 |
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