Call reports 2016
ROCKLAND SAVINGS BANK, FSB — 2016
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 75,719,000 | 75,879,000 | 75,889,000 | 74,730,000 |
| Total loans | 62,834,000 | 63,821,000 | 62,736,000 | 60,594,000 |
| Allowance for loan losses | 2,110,000 | 2,037,000 | 1,381,000 | 913,000 |
| Securities available for sale | 1,721,000 | 1,731,000 | 186,000 | 179,000 |
| Securities held to maturity | 11,000 | 11,000 | 11,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,239,000 | 65,480,000 | 65,365,000 | 64,354,000 |
| Interest-bearing deposits | 61,485,000 | 60,828,000 | 61,039,000 | 59,900,000 |
| Noninterest-bearing deposits | 3,754,000 | 4,652,000 | 4,326,000 | 4,454,000 |
| Equity capital | 9,925,000 | 10,036,000 | 10,083,000 | 10,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 762,000 | 1,628,000 | 2,411,000 | 3,159,000 |
| Interest expense | 140,000 | 276,000 | 408,000 | 532,000 |
| Net interest income | 622,000 | 1,352,000 | 2,003,000 | 2,627,000 |
| Noninterest income | 102,000 | 149,000 | 307,000 | 383,000 |
| Noninterest expense | 605,000 | 1,215,000 | 1,863,000 | 2,601,000 |
| Provision for loan losses | 29,000 | 57,000 | 86,000 | 115,000 |
| Pretax income | 90,000 | 229,000 | 361,000 | 294,000 |
| Income tax | 32,000 | 78,000 | 123,000 | 123,000 |
| Net income | 58,000 | 151,000 | 238,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,427,000 | 8,555,000 | 8,675,000 | 8,626,000 |
| Total capital | 9,393,000 | 9,523,000 | 9,294,000 | 9,239,000 |
| Risk-weighted assets | 52,957,000 | 52,307,000 | 48,171,000 | 48,190,000 |