Call reports 2014
RONDOUT SAVINGS BANK — 2014
What RONDOUT SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 292,301,000 | 296,881,000 | 305,593,000 | 301,414,000 |
| Total loans | 224,259,000 | 228,046,000 | 233,713,000 | 239,294,000 |
| Allowance for loan losses | 2,731,000 | 2,875,000 | 2,870,000 | 2,954,000 |
| Securities available for sale | 39,985,000 | 39,627,000 | 38,849,000 | 36,005,000 |
| Securities held to maturity | 2,760,000 | 2,760,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,780,000 | 250,544,000 | 257,770,000 | 254,360,000 |
| Interest-bearing deposits | 212,114,000 | 212,111,000 | 216,033,000 | 215,930,000 |
| Noninterest-bearing deposits | 33,666,000 | 38,433,000 | 41,737,000 | 38,430,000 |
| Equity capital | 32,024,000 | 32,636,000 | 33,087,000 | 33,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,897,000 | 5,892,000 | 8,883,000 | 11,930,000 |
| Interest expense | 397,000 | 799,000 | 1,207,000 | 1,611,000 |
| Net interest income | 2,500,000 | 5,093,000 | 7,676,000 | 10,319,000 |
| Noninterest income | 438,000 | 887,000 | 1,321,000 | 1,883,000 |
| Noninterest expense | 2,439,000 | 4,801,000 | 7,178,000 | 9,666,000 |
| Provision for loan losses | 253,000 | 414,000 | 520,000 | 644,000 |
| Pretax income | 262,000 | 781,000 | 1,658,000 | 2,359,000 |
| Income tax | 92,000 | 275,000 | 552,000 | 797,000 |
| Net income | 170,000 | 506,000 | 1,106,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,632,000 | 32,969,000 | 33,569,000 | 34,691,000 |
| Total capital | 35,279,000 | 35,697,000 | 36,293,000 | 37,441,000 |
| Risk-weighted assets | 197,769,000 | 200,736,000 | 208,169,000 | 209,573,000 |
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