Call reports 2015
RONDOUT SAVINGS BANK — 2015
What RONDOUT SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 311,942,000 | 314,175,000 | 317,075,000 | 324,692,000 |
| Total loans | 241,460,000 | 246,491,000 | 248,948,000 | 248,577,000 |
| Allowance for loan losses | 3,041,000 | 3,156,000 | 3,217,000 | 3,204,000 |
| Securities available for sale | 39,842,000 | 39,045,000 | 38,429,000 | 41,198,000 |
| Securities held to maturity | 1,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,835,000 | 267,758,000 | 267,412,000 | 275,442,000 |
| Interest-bearing deposits | 228,390,000 | 230,046,000 | 226,729,000 | 232,523,000 |
| Noninterest-bearing deposits | 36,445,000 | 37,712,000 | 40,683,000 | 42,919,000 |
| Equity capital | 33,588,000 | 33,465,000 | 34,113,000 | 33,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,027,000 | 6,060,000 | 9,202,000 | 12,316,000 |
| Interest expense | 421,000 | 857,000 | 1,302,000 | 1,757,000 |
| Net interest income | 2,606,000 | 5,203,000 | 7,900,000 | 10,559,000 |
| Noninterest income | 480,000 | 1,052,000 | 1,579,000 | 2,081,000 |
| Noninterest expense | 2,645,000 | 5,323,000 | 7,808,000 | 11,029,000 |
| Provision for loan losses | 86,000 | 260,000 | 360,000 | 390,000 |
| Pretax income | 575,000 | 887,000 | 1,504,000 | 1,414,000 |
| Income tax | 185,000 | 291,000 | 501,000 | 470,000 |
| Net income | 390,000 | 596,000 | 1,003,000 | 944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,204,000 | 35,459,000 | 35,866,000 | 35,807,000 |
| Total capital | 37,859,000 | 38,137,000 | 38,560,000 | 38,561,000 |
| Risk-weighted assets | 210,557,000 | 213,244,000 | 213,649,000 | 216,751,000 |