Call reports 2009
RONDOUT SAVINGS BANK — 2009
What RONDOUT SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 220,805,000 | 222,995,000 | 228,692,000 | 231,149,000 |
| Total loans | 143,801,000 | 142,049,000 | 143,695,000 | 146,236,000 |
| Allowance for loan losses | 787,000 | 967,000 | 998,000 | 1,153,000 |
| Securities available for sale | 42,535,000 | 41,851,000 | 51,691,000 | 47,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,896,000 | 184,958,000 | 190,670,000 | 193,624,000 |
| Interest-bearing deposits | 157,283,000 | 160,712,000 | 164,411,000 | 167,654,000 |
| Noninterest-bearing deposits | 25,613,000 | 24,246,000 | 26,259,000 | 25,970,000 |
| Equity capital | 25,204,000 | 25,442,000 | 26,090,000 | 26,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,871,000 | 5,604,000 | 8,231,000 | 10,953,000 |
| Interest expense | 857,000 | 1,653,000 | 2,401,000 | 3,110,000 |
| Net interest income | 2,014,000 | 3,951,000 | 5,830,000 | 7,843,000 |
| Noninterest income | 533,000 | 1,018,000 | 1,557,000 | 2,095,000 |
| Noninterest expense | 2,056,000 | 4,248,000 | 6,147,000 | 8,223,000 |
| Provision for loan losses | 60,000 | 260,000 | 300,000 | 460,000 |
| Pretax income | 431,000 | 461,000 | 940,000 | 1,255,000 |
| Income tax | 186,000 | 205,000 | 379,000 | 484,000 |
| Net income | 245,000 | 256,000 | 561,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,691,000 | 26,639,000 | 26,281,000 | 26,422,000 |
| Total capital | 27,478,000 | 27,606,000 | 27,279,000 | 27,575,000 |
| Risk-weighted assets | 151,384,000 | 136,347,000 | 158,852,000 | 165,156,000 |
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