Call reports 2021
RONDOUT SAVINGS BANK — 2021
What RONDOUT SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 459,080,000 | 465,973,000 | 469,289,000 | 467,319,000 |
| Total loans | 335,444,000 | 328,978,000 | 331,455,000 | 342,821,000 |
| Allowance for loan losses | 3,949,000 | 3,950,000 | 3,887,000 | 3,895,000 |
| Securities available for sale | 46,396,000 | 52,237,000 | 54,289,000 | 58,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,337,000 | 410,211,000 | 412,658,000 | 410,594,000 |
| Interest-bearing deposits | 311,556,000 | 317,654,000 | 320,177,000 | 319,050,000 |
| Noninterest-bearing deposits | 92,781,000 | 92,557,000 | 92,481,000 | 91,544,000 |
| Equity capital | 42,119,000 | 43,206,000 | 44,223,000 | 44,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,632,000 | 7,435,000 | 11,163,000 | 14,952,000 |
| Interest expense | 579,000 | 1,060,000 | 1,466,000 | 1,821,000 |
| Net interest income | 3,053,000 | 6,375,000 | 9,697,000 | 13,131,000 |
| Noninterest income | 1,310,000 | 2,466,000 | 3,202,000 | 4,012,000 |
| Noninterest expense | 3,357,000 | 6,715,000 | 10,030,000 | 13,643,000 |
| Provision for loan losses | 114,000 | 114,000 | 49,000 | 53,000 |
| Pretax income | 900,000 | 2,020,000 | 2,828,000 | 3,455,000 |
| Income tax | 190,000 | 426,000 | 596,000 | 729,000 |
| Net income | 710,000 | 1,594,000 | 2,232,000 | 2,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,675,000 | 45,559,000 | 46,195,000 | 46,691,000 |
| Total capital | 48,116,000 | 48,981,000 | 49,536,000 | 50,364,000 |
| Risk-weighted assets | 274,826,000 | 273,246,000 | 266,797,000 | 293,656,000 |