Call reports 2022
RONDOUT SAVINGS BANK — 2022
What RONDOUT SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 484,944,000 | 482,640,000 | 507,429,000 | 524,847,000 |
| Total loans | 347,294,000 | 365,266,000 | 391,216,000 | 414,779,000 |
| Allowance for loan losses | 3,963,000 | 4,061,000 | 4,187,000 | 4,373,000 |
| Securities available for sale | 60,091,000 | 73,605,000 | 70,121,000 | 69,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,184,000 | 430,613,000 | 443,144,000 | 455,920,000 |
| Interest-bearing deposits | 338,986,000 | 338,132,000 | 354,804,000 | 375,256,000 |
| Noninterest-bearing deposits | 92,198,000 | 92,481,000 | 88,340,000 | 80,664,000 |
| Equity capital | 41,300,000 | 38,979,000 | 37,349,000 | 37,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,786,000 | 7,821,000 | 12,179,000 | 17,016,000 |
| Interest expense | 307,000 | 624,000 | 1,024,000 | 2,062,000 |
| Net interest income | 3,479,000 | 7,197,000 | 11,155,000 | 14,954,000 |
| Noninterest income | 540,000 | 837,000 | 1,196,000 | 1,610,000 |
| Noninterest expense | 3,510,000 | 6,781,000 | 10,229,000 | 13,653,000 |
| Provision for loan losses | 70,000 | 172,000 | 294,000 | 480,000 |
| Pretax income | 439,000 | 1,081,000 | 1,828,000 | 2,431,000 |
| Income tax | 93,000 | 229,000 | 386,000 | 514,000 |
| Net income | 346,000 | 852,000 | 1,442,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,037,000 | 47,543,000 | 48,132,000 | 48,608,000 |
| Total capital | 50,727,000 | 51,518,000 | 52,307,000 | 52,921,000 |
| Risk-weighted assets | 294,935,000 | 317,982,000 | 334,011,000 | 344,988,000 |