Call reports 2013
ROCKLAND SAVINGS BANK, FSB — 2013
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 82,702,000 | 81,711,000 | 82,747,000 | 83,693,000 |
| Total loans | 71,351,000 | 71,525,000 | 70,000,000 | 66,620,000 |
| Allowance for loan losses | 1,502,000 | 1,488,000 | 1,243,000 | 1,088,000 |
| Securities available for sale | 441,000 | 425,000 | 405,000 | 381,000 |
| Securities held to maturity | 32,000 | 27,000 | 26,000 | 24,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,754,000 | 68,815,000 | 70,088,000 | 71,049,000 |
| Interest-bearing deposits | 67,441,000 | 66,250,000 | 67,018,000 | 68,370,000 |
| Noninterest-bearing deposits | 2,313,000 | 2,565,000 | 3,070,000 | 2,679,000 |
| Equity capital | 11,433,000 | 11,471,000 | 11,336,000 | 11,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 918,000 | 1,819,000 | 2,695,000 | 3,570,000 |
| Interest expense | 236,000 | 468,000 | 699,000 | 925,000 |
| Net interest income | 682,000 | 1,351,000 | 1,996,000 | 2,645,000 |
| Noninterest income | 86,000 | 196,000 | 261,000 | 245,000 |
| Noninterest expense | 663,000 | 1,325,000 | 2,148,000 | 2,790,000 |
| Provision for loan losses | 58,000 | 117,000 | 175,000 | 544,000 |
| Pretax income | 47,000 | 105,000 | -66,000 | -444,000 |
| Income tax | 16,000 | 36,000 | 0 | -148,000 |
| Net income | 31,000 | 69,000 | -66,000 | -296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,429,000 | 11,467,000 | 11,332,000 | 11,102,000 |
| Total capital | 12,232,000 | 12,199,000 | 12,044,000 | 11,780,000 |
| Risk-weighted assets | 63,539,000 | 64,357,000 | 63,338,000 | 60,717,000 |