Call reports 2020
RONDOUT SAVINGS BANK — 2020
What RONDOUT SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 395,577,000 | 430,960,000 | 428,291,000 | 438,165,000 |
| Total loans | 314,948,000 | 333,567,000 | 332,153,000 | 334,971,000 |
| Allowance for loan losses | 3,199,000 | 3,311,000 | 3,526,000 | 3,805,000 |
| Securities available for sale | 40,511,000 | 35,520,000 | 41,578,000 | 43,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,563,000 | 377,099,000 | 373,854,000 | 382,948,000 |
| Interest-bearing deposits | 278,830,000 | 296,356,000 | 298,523,000 | 302,897,000 |
| Noninterest-bearing deposits | 57,733,000 | 80,743,000 | 75,331,000 | 80,051,000 |
| Equity capital | 40,981,000 | 41,306,000 | 41,689,000 | 42,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,799,000 | 7,571,000 | 11,286,000 | 14,927,000 |
| Interest expense | 875,000 | 1,685,000 | 2,468,000 | 3,168,000 |
| Net interest income | 2,924,000 | 5,886,000 | 8,818,000 | 11,759,000 |
| Noninterest income | 645,000 | 1,477,000 | 2,858,000 | 4,076,000 |
| Noninterest expense | 3,025,000 | 6,334,000 | 9,738,000 | 13,117,000 |
| Provision for loan losses | 119,000 | 250,000 | 473,000 | 752,000 |
| Pretax income | 443,000 | 797,000 | 1,483,000 | 1,984,000 |
| Income tax | 94,000 | 169,000 | 314,000 | 420,000 |
| Net income | 349,000 | 628,000 | 1,169,000 | 1,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,604,000 | 43,030,000 | 43,570,000 | 43,965,000 |
| Total capital | 45,803,000 | 46,327,000 | 46,900,000 | 47,304,000 |
| Risk-weighted assets | 256,299,000 | 263,772,000 | 266,281,000 | 266,689,000 |