Call reports 2013
RONDOUT SAVINGS BANK — 2013
What RONDOUT SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 255,389,000 | 262,204,000 | 273,025,000 | 282,119,000 |
| Total loans | 189,695,000 | 193,850,000 | 206,856,000 | 213,097,000 |
| Allowance for loan losses | 2,315,000 | 2,443,000 | 2,445,000 | 2,492,000 |
| Securities available for sale | 32,119,000 | 38,691,000 | 41,723,000 | 40,360,000 |
| Securities held to maturity | 0 | 0 | 4,760,000 | 4,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,880,000 | 224,862,000 | 233,064,000 | 241,534,000 |
| Interest-bearing deposits | 186,757,000 | 190,101,000 | 197,731,000 | 206,736,000 |
| Noninterest-bearing deposits | 32,123,000 | 34,761,000 | 35,333,000 | 34,798,000 |
| Equity capital | 30,797,000 | 30,840,000 | 30,829,000 | 31,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,700,000 | 5,379,000 | 8,113,000 | 10,974,000 |
| Interest expense | 345,000 | 700,000 | 1,065,000 | 1,459,000 |
| Net interest income | 2,355,000 | 4,679,000 | 7,048,000 | 9,515,000 |
| Noninterest income | 427,000 | 941,000 | 1,441,000 | 1,888,000 |
| Noninterest expense | 2,170,000 | 4,352,000 | 6,698,000 | 9,224,000 |
| Provision for loan losses | 200,000 | 333,000 | 332,000 | 403,000 |
| Pretax income | 618,000 | 1,141,000 | 1,679,000 | 2,008,000 |
| Income tax | 201,000 | 379,000 | 575,000 | 671,000 |
| Net income | 417,000 | 762,000 | 1,104,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,768,000 | 31,906,000 | 32,096,000 | 32,530,000 |
| Total capital | 33,958,000 | 34,177,000 | 34,514,000 | 35,058,000 |
| Risk-weighted assets | 172,068,000 | 170,211,000 | 182,048,000 | 187,313,000 |
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