Call reports 2011
RONDOUT SAVINGS BANK — 2011
What RONDOUT SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 229,495,000 | 231,800,000 | 238,797,000 | 235,399,000 |
| Total loans | 158,870,000 | 161,006,000 | 163,577,000 | 165,677,000 |
| Allowance for loan losses | 1,596,000 | 1,612,000 | 1,656,000 | 1,785,000 |
| Securities available for sale | 42,246,000 | 40,795,000 | 39,735,000 | 41,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,052,000 | 196,193,000 | 203,324,000 | 199,383,000 |
| Interest-bearing deposits | 170,689,000 | 168,045,000 | 170,600,000 | 168,684,000 |
| Noninterest-bearing deposits | 26,363,000 | 28,148,000 | 32,724,000 | 30,699,000 |
| Equity capital | 27,764,000 | 28,261,000 | 28,753,000 | 28,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,679,000 | 5,294,000 | 7,894,000 | 10,563,000 |
| Interest expense | 471,000 | 914,000 | 1,326,000 | 1,707,000 |
| Net interest income | 2,208,000 | 4,380,000 | 6,568,000 | 8,856,000 |
| Noninterest income | 358,000 | 779,000 | 1,095,000 | 1,710,000 |
| Noninterest expense | 2,036,000 | 4,167,000 | 5,943,000 | 7,931,000 |
| Provision for loan losses | 116,000 | 167,000 | 257,000 | 481,000 |
| Pretax income | 425,000 | 833,000 | 1,509,000 | 2,249,000 |
| Income tax | 167,000 | 271,000 | 540,000 | 806,000 |
| Net income | 258,000 | 562,000 | 969,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,469,000 | 27,802,000 | 28,275,000 | 28,495,000 |
| Total capital | 29,065,000 | 29,414,000 | 29,931,000 | 30,280,000 |
| Risk-weighted assets | 167,816,000 | 171,344,000 | 173,981,000 | 171,715,000 |
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