Call reports 2015
ROCKLAND SAVINGS BANK, FSB — 2015
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 81,372,000 | 79,032,000 | 80,056,000 | 77,325,000 |
| Total loans | 63,734,000 | 63,479,000 | 61,837,000 | 62,260,000 |
| Allowance for loan losses | 724,000 | 620,000 | 649,000 | 2,080,000 |
| Securities available for sale | 1,147,000 | 1,119,000 | 1,647,000 | 1,683,000 |
| Securities held to maturity | 16,000 | 16,000 | 15,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,791,000 | 67,444,000 | 68,463,000 | 67,035,000 |
| Interest-bearing deposits | 66,628,000 | 64,251,000 | 64,674,000 | 63,197,000 |
| Noninterest-bearing deposits | 3,163,000 | 3,193,000 | 3,789,000 | 3,838,000 |
| Equity capital | 11,059,000 | 11,076,000 | 11,042,000 | 9,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,556,000 | 2,321,000 | 3,104,000 |
| Interest expense | 188,000 | 359,000 | 520,000 | 670,000 |
| Net interest income | 598,000 | 1,197,000 | 1,801,000 | 2,434,000 |
| Noninterest income | 37,000 | 100,000 | 162,000 | 246,000 |
| Noninterest expense | 575,000 | 1,160,000 | 1,769,000 | 2,511,000 |
| Provision for loan losses | 143,000 | 172,000 | 200,000 | 2,119,000 |
| Pretax income | -83,000 | -35,000 | -6,000 | -1,950,000 |
| Income tax | -27,000 | -10,000 | 2,000 | -675,000 |
| Net income | -56,000 | -25,000 | -8,000 | -1,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,802,000 | 10,854,000 | 10,820,000 | 8,593,000 |
| Total capital | 11,487,000 | 11,502,000 | 11,735,000 | 9,551,000 |
| Risk-weighted assets | 54,777,000 | 54,364,000 | 54,190,000 | 52,730,000 |