Call reports 2016
RONDOUT SAVINGS BANK — 2016
What RONDOUT SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 329,734,000 | 336,960,000 | 326,644,000 | 326,345,000 |
| Total loans | 246,621,000 | 243,613,000 | 238,595,000 | 242,475,000 |
| Allowance for loan losses | 3,398,000 | 3,201,000 | 3,195,000 | 2,994,000 |
| Securities available for sale | 41,742,000 | 47,132,000 | 53,646,000 | 56,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,916,000 | 287,582,000 | 281,390,000 | 276,664,000 |
| Interest-bearing deposits | 236,400,000 | 237,930,000 | 233,280,000 | 231,171,000 |
| Noninterest-bearing deposits | 44,516,000 | 49,652,000 | 48,110,000 | 45,493,000 |
| Equity capital | 34,408,000 | 34,801,000 | 35,194,000 | 34,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,108,000 | 6,217,000 | 9,336,000 | 12,431,000 |
| Interest expense | 451,000 | 910,000 | 1,384,000 | 1,835,000 |
| Net interest income | 2,657,000 | 5,307,000 | 7,952,000 | 10,596,000 |
| Noninterest income | 485,000 | 994,000 | 1,589,000 | 2,120,000 |
| Noninterest expense | 2,505,000 | 5,108,000 | 7,771,000 | 10,477,000 |
| Provision for loan losses | 195,000 | 365,000 | 365,000 | -60,000 |
| Pretax income | 563,000 | 1,053,000 | 1,630,000 | 2,529,000 |
| Income tax | 199,000 | 375,000 | 580,000 | 914,000 |
| Net income | 364,000 | 678,000 | 1,050,000 | 1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,171,000 | 36,485,000 | 36,857,000 | 37,422,000 |
| Total capital | 38,893,000 | 39,189,000 | 39,495,000 | 40,089,000 |
| Risk-weighted assets | 213,019,000 | 214,775,000 | 210,043,000 | 211,978,000 |