Call reports 2017
RONDOUT SAVINGS BANK — 2017
What RONDOUT SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 341,981,000 | 355,811,000 | 349,709,000 | 351,051,000 |
| Total loans | 241,356,000 | 249,779,000 | 255,256,000 | 259,491,000 |
| Allowance for loan losses | 3,076,000 | 3,078,000 | 2,937,000 | 3,017,000 |
| Securities available for sale | 56,409,000 | 63,674,000 | 62,837,000 | 62,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,720,000 | 308,072,000 | 302,122,000 | 297,711,000 |
| Interest-bearing deposits | 249,366,000 | 254,726,000 | 250,113,000 | 247,150,000 |
| Noninterest-bearing deposits | 47,354,000 | 53,346,000 | 52,009,000 | 50,561,000 |
| Equity capital | 34,745,000 | 35,668,000 | 36,038,000 | 35,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,064,000 | 6,297,000 | 9,544,000 | 12,890,000 |
| Interest expense | 455,000 | 961,000 | 1,481,000 | 2,000,000 |
| Net interest income | 2,609,000 | 5,336,000 | 8,063,000 | 10,890,000 |
| Noninterest income | 493,000 | 1,203,000 | 1,944,000 | 2,634,000 |
| Noninterest expense | 2,721,000 | 5,549,000 | 8,312,000 | 11,179,000 |
| Provision for loan losses | 85,000 | 119,000 | 140,000 | 175,000 |
| Pretax income | 346,000 | 924,000 | 1,646,000 | 2,260,000 |
| Income tax | 119,000 | 316,000 | 563,000 | 1,333,000 |
| Net income | 227,000 | 608,000 | 1,083,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,649,000 | 38,029,000 | 38,505,000 | 38,349,000 |
| Total capital | 40,330,000 | 40,786,000 | 41,305,000 | 41,171,000 |
| Risk-weighted assets | 214,020,000 | 220,261,000 | 223,831,000 | 225,624,000 |