Call reports 2023
RONDOUT SAVINGS BANK — 2023
What RONDOUT SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 543,358,000 | 551,048,000 | 559,015,000 | 563,998,000 |
| Total loans | 420,359,000 | 430,888,000 | 440,826,000 | 446,681,000 |
| Allowance for loan losses | 4,374,000 | 4,370,000 | 4,441,000 | 4,608,000 |
| Securities available for sale | 70,903,000 | 68,521,000 | 66,470,000 | 66,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,971,000 | 477,126,000 | 476,457,000 | 467,263,000 |
| Interest-bearing deposits | 386,505,000 | 401,519,000 | 402,071,000 | 393,453,000 |
| Noninterest-bearing deposits | 74,466,000 | 75,607,000 | 74,386,000 | 73,810,000 |
| Equity capital | 38,907,000 | 37,947,000 | 36,862,000 | 39,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,013,000 | 10,445,000 | 16,173,000 | 22,059,000 |
| Interest expense | 1,630,000 | 3,858,000 | 6,443,000 | 9,340,000 |
| Net interest income | 3,383,000 | 6,587,000 | 9,730,000 | 12,719,000 |
| Noninterest income | 485,000 | 910,000 | 1,357,000 | 1,878,000 |
| Noninterest expense | 3,539,000 | 6,986,000 | 10,417,000 | 13,857,000 |
| Provision for loan losses | 38,000 | 41,000 | 116,000 | 284,000 |
| Pretax income | 310,000 | 479,000 | 576,000 | 493,000 |
| Income tax | 66,000 | 102,000 | 123,000 | -6,000 |
| Net income | 244,000 | 377,000 | 453,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,605,000 | 48,738,000 | 48,814,000 | 48,860,000 |
| Total capital | 52,929,000 | 53,328,000 | 53,529,000 | 53,582,000 |
| Risk-weighted assets | 345,608,000 | 367,164,000 | 377,228,000 | 377,611,000 |