Call reports 2018
RONDOUT SAVINGS BANK — 2018
What RONDOUT SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 361,351,000 | 366,990,000 | 373,478,000 | 382,562,000 |
| Total loans | 262,888,000 | 270,761,000 | 278,364,000 | 287,304,000 |
| Allowance for loan losses | 2,985,000 | 2,972,000 | 2,992,000 | 3,005,000 |
| Securities available for sale | 60,812,000 | 59,590,000 | 58,811,000 | 60,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,805,000 | 314,124,000 | 320,625,000 | 325,891,000 |
| Interest-bearing deposits | 253,680,000 | 257,858,000 | 269,049,000 | 277,441,000 |
| Noninterest-bearing deposits | 54,125,000 | 56,266,000 | 51,576,000 | 48,450,000 |
| Equity capital | 35,132,000 | 35,193,000 | 35,219,000 | 36,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,290,000 | 6,677,000 | 10,340,000 | 14,048,000 |
| Interest expense | 532,000 | 1,160,000 | 1,880,000 | 2,704,000 |
| Net interest income | 2,758,000 | 5,517,000 | 8,460,000 | 11,344,000 |
| Noninterest income | 529,000 | 1,211,000 | 1,853,000 | 2,493,000 |
| Noninterest expense | 2,872,000 | 5,738,000 | 8,616,000 | 11,569,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 40,000 |
| Pretax income | 415,000 | 990,000 | 1,677,000 | 2,228,000 |
| Income tax | 88,000 | 210,000 | 355,000 | 472,000 |
| Net income | 327,000 | 780,000 | 1,322,000 | 1,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,236,000 | 39,691,000 | 40,232,000 | 40,667,000 |
| Total capital | 42,104,000 | 42,663,000 | 43,224,000 | 43,672,000 |
| Risk-weighted assets | 229,395,000 | 237,854,000 | 246,103,000 | 250,342,000 |