Call reports 2025
RONDOUT SAVINGS BANK — 2025
What RONDOUT SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 527,278,000 | 520,385,000 | 515,274,000 | 512,006,000 |
| Total loans | 421,939,000 | 409,545,000 | 410,880,000 | 412,413,000 |
| Allowance for loan losses | 4,153,000 | 4,142,000 | 4,049,000 | 4,020,000 |
| Securities available for sale | 48,740,000 | 47,858,000 | 48,465,000 | 48,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,329,000 | 458,818,000 | 452,723,000 | 448,969,000 |
| Interest-bearing deposits | 393,319,000 | 394,520,000 | 387,447,000 | 385,554,000 |
| Noninterest-bearing deposits | 60,010,000 | 64,298,000 | 65,276,000 | 63,415,000 |
| Equity capital | 40,842,000 | 40,868,000 | 42,202,000 | 43,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,646,000 | 11,217,000 | 16,730,000 | 22,301,000 |
| Interest expense | 3,054,000 | 5,924,000 | 8,490,000 | 10,955,000 |
| Net interest income | 2,592,000 | 5,293,000 | 8,240,000 | 11,346,000 |
| Noninterest income | 479,000 | 917,000 | 1,364,000 | 2,148,000 |
| Noninterest expense | 3,291,000 | 6,441,000 | 9,470,000 | 12,701,000 |
| Provision for loan losses | -124,000 | -133,000 | -55,000 | -75,000 |
| Pretax income | -118,000 | -150,000 | 178,000 | 899,000 |
| Income tax | -25,000 | -31,000 | 44,000 | 225,000 |
| Net income | -93,000 | -119,000 | 134,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,099,000 | 49,073,000 | 49,326,000 | 49,866,000 |
| Total capital | 53,391,000 | 53,256,000 | 53,540,000 | 54,039,000 |
| Risk-weighted assets | 343,329,000 | 334,466,000 | 337,129,000 | 339,602,000 |