Call reports 2017
ROCKLAND SAVINGS BANK, FSB — 2017
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 73,324,000 | 69,765,000 | 71,423,000 | 73,542,000 |
| Total loans | 60,135,000 | 60,111,000 | 58,631,000 | 62,849,000 |
| Allowance for loan losses | 880,000 | 908,000 | 884,000 | 1,159,000 |
| Securities available for sale | 166,000 | 158,000 | 149,000 | 141,000 |
| Securities held to maturity | 9,000 | 7,000 | 7,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,022,000 | 59,214,000 | 61,228,000 | 61,060,000 |
| Interest-bearing deposits | 58,996,000 | 55,222,000 | 56,588,000 | 56,257,000 |
| Noninterest-bearing deposits | 4,026,000 | 3,992,000 | 4,640,000 | 4,803,000 |
| Equity capital | 9,977,000 | 9,956,000 | 9,888,000 | 9,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 754,000 | 1,501,000 | 2,248,000 | 3,020,000 |
| Interest expense | 117,000 | 231,000 | 349,000 | 478,000 |
| Net interest income | 637,000 | 1,270,000 | 1,899,000 | 2,542,000 |
| Noninterest income | 30,000 | 91,000 | 144,000 | 105,000 |
| Noninterest expense | 720,000 | 1,423,000 | 2,183,000 | 2,958,000 |
| Provision for loan losses | 29,000 | 57,000 | 86,000 | 350,000 |
| Pretax income | -82,000 | -119,000 | -226,000 | -661,000 |
| Income tax | -26,000 | -41,000 | -80,000 | 211,000 |
| Net income | -56,000 | -78,000 | -146,000 | -872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,548,000 | 8,976,000 | 8,858,000 | 8,430,000 |
| Total capital | 9,151,000 | 9,581,000 | 9,465,000 | 9,047,000 |
| Risk-weighted assets | 47,663,000 | 47,903,000 | 48,052,000 | 48,692,000 |