Call reports 2014
ROCKLAND SAVINGS BANK, FSB — 2014
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 82,226,000 | 82,615,000 | 83,364,000 | 81,595,000 |
| Total loans | 66,183,000 | 65,374,000 | 64,126,000 | 63,990,000 |
| Allowance for loan losses | 1,132,000 | 968,000 | 828,000 | 581,000 |
| Securities available for sale | 357,000 | 337,000 | 294,000 | 279,000 |
| Securities held to maturity | 21,000 | 20,000 | 19,000 | 19,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,078,000 | 70,570,000 | 71,473,000 | 69,787,000 |
| Interest-bearing deposits | 67,592,000 | 67,899,000 | 68,354,000 | 66,760,000 |
| Noninterest-bearing deposits | 2,486,000 | 2,671,000 | 3,119,000 | 3,027,000 |
| Equity capital | 11,118,000 | 11,134,000 | 11,121,000 | 11,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 802,000 | 1,616,000 | 2,394,000 | 3,194,000 |
| Interest expense | 222,000 | 444,000 | 661,000 | 865,000 |
| Net interest income | 580,000 | 1,172,000 | 1,733,000 | 2,329,000 |
| Noninterest income | 84,000 | 157,000 | 251,000 | 287,000 |
| Noninterest expense | 601,000 | 1,198,000 | 1,805,000 | 2,396,000 |
| Provision for loan losses | 43,000 | 87,000 | 156,000 | 179,000 |
| Pretax income | 20,000 | 44,000 | 23,000 | 41,000 |
| Income tax | 7,000 | 15,000 | 8,000 | 22,000 |
| Net income | 13,000 | 29,000 | 15,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,953,000 | 10,972,000 | 10,956,000 | 10,973,000 |
| Total capital | 11,632,000 | 11,639,000 | 11,609,000 | 11,582,000 |
| Risk-weighted assets | 60,779,000 | 59,982,000 | 59,232,000 | 59,639,000 |