Call reports 2012
ROCKLAND SAVINGS BANK, FSB — 2012
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 83,019,000 | 81,888,000 | 84,068,000 | 84,377,000 |
| Total loans | 71,886,000 | 71,718,000 | 71,534,000 | 70,499,000 |
| Allowance for loan losses | 1,333,000 | 1,393,000 | 1,393,000 | 1,454,000 |
| Securities available for sale | 543,000 | 519,000 | 484,000 | 465,000 |
| Securities held to maturity | 62,000 | 49,000 | 43,000 | 37,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,238,000 | 68,347,000 | 70,730,000 | 71,160,000 |
| Interest-bearing deposits | 66,816,000 | 65,873,000 | 67,749,000 | 68,338,000 |
| Noninterest-bearing deposits | 2,422,000 | 2,474,000 | 2,981,000 | 2,822,000 |
| Equity capital | 11,123,000 | 11,212,000 | 11,316,000 | 11,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,928,000 | 2,894,000 | 3,868,000 |
| Interest expense | 258,000 | 510,000 | 760,000 | 1,010,000 |
| Net interest income | 712,000 | 1,418,000 | 2,134,000 | 2,858,000 |
| Noninterest income | 115,000 | 222,000 | 354,000 | 545,000 |
| Noninterest expense | 656,000 | 1,275,000 | 1,903,000 | 2,567,000 |
| Provision for loan losses | 59,000 | 118,000 | 183,000 | 292,000 |
| Pretax income | 112,000 | 247,000 | 402,000 | 544,000 |
| Income tax | 39,000 | 85,000 | 136,000 | 194,000 |
| Net income | 73,000 | 162,000 | 266,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,121,000 | 11,210,000 | 11,314,000 | 11,398,000 |
| Total capital | 11,843,000 | 11,940,000 | 12,038,000 | 12,117,000 |
| Risk-weighted assets | 57,149,000 | 57,770,000 | 57,242,000 | 56,802,000 |