Call reports 2012
RONDOUT SAVINGS BANK — 2012
What RONDOUT SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 240,530,000 | 244,274,000 | 246,506,000 | 247,169,000 |
| Total loans | 168,868,000 | 176,879,000 | 182,163,000 | 185,281,000 |
| Allowance for loan losses | 1,872,000 | 1,853,000 | 1,992,000 | 2,115,000 |
| Securities available for sale | 39,926,000 | 40,745,000 | 38,074,000 | 35,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,479,000 | 206,887,000 | 209,554,000 | 210,463,000 |
| Interest-bearing deposits | 172,285,000 | 172,808,000 | 176,212,000 | 179,260,000 |
| Noninterest-bearing deposits | 32,194,000 | 34,079,000 | 33,342,000 | 31,203,000 |
| Equity capital | 28,906,000 | 29,328,000 | 29,997,000 | 30,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,600,000 | 5,227,000 | 7,942,000 | 10,610,000 |
| Interest expense | 371,000 | 731,000 | 1,078,000 | 1,417,000 |
| Net interest income | 2,229,000 | 4,496,000 | 6,864,000 | 9,193,000 |
| Noninterest income | 567,000 | 1,253,000 | 1,935,000 | 2,639,000 |
| Noninterest expense | 1,993,000 | 4,162,000 | 6,263,000 | 8,498,000 |
| Provision for loan losses | 137,000 | 275,000 | 501,000 | 726,000 |
| Pretax income | 666,000 | 1,321,000 | 2,044,000 | 2,604,000 |
| Income tax | 226,000 | 449,000 | 695,000 | 867,000 |
| Net income | 440,000 | 872,000 | 1,349,000 | 1,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,924,000 | 30,137,000 | 30,867,000 | 31,400,000 |
| Total capital | 31,828,000 | 32,029,000 | 32,918,000 | 33,437,000 |
| Risk-weighted assets | 155,581,000 | 165,711,000 | 164,131,000 | 167,657,000 |
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