Call reports 2019
RONDOUT SAVINGS BANK — 2019
What RONDOUT SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 396,544,000 | 398,809,000 | 389,701,000 | 383,396,000 |
| Total loans | 290,745,000 | 300,805,000 | 302,940,000 | 312,286,000 |
| Allowance for loan losses | 3,009,000 | 3,076,000 | 3,024,000 | 3,077,000 |
| Securities available for sale | 61,599,000 | 61,409,000 | 47,073,000 | 44,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,728,000 | 342,358,000 | 332,324,000 | 325,102,000 |
| Interest-bearing deposits | 286,120,000 | 289,259,000 | 276,185,000 | 271,346,000 |
| Noninterest-bearing deposits | 52,608,000 | 53,099,000 | 56,139,000 | 53,756,000 |
| Equity capital | 37,854,000 | 39,021,000 | 39,630,000 | 40,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,766,000 | 7,680,000 | 11,707,000 | 15,536,000 |
| Interest expense | 914,000 | 1,893,000 | 2,856,000 | 3,759,000 |
| Net interest income | 2,852,000 | 5,787,000 | 8,851,000 | 11,777,000 |
| Noninterest income | 517,000 | 1,167,000 | 1,958,000 | 2,778,000 |
| Noninterest expense | 2,965,000 | 6,098,000 | 9,302,000 | 12,407,000 |
| Provision for loan losses | 0 | 65,000 | 85,000 | 135,000 |
| Pretax income | 404,000 | 791,000 | 1,422,000 | 2,013,000 |
| Income tax | 86,000 | 168,000 | 301,000 | 426,000 |
| Net income | 318,000 | 623,000 | 1,121,000 | 1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,984,000 | 41,290,000 | 41,788,000 | 42,255,000 |
| Total capital | 43,993,000 | 44,366,000 | 44,812,000 | 45,332,000 |
| Risk-weighted assets | 252,902,000 | 257,033,000 | 252,248,000 | 254,242,000 |