Call reports 2018
ROCKLAND SAVINGS BANK, FSB — 2018
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 75,068,000 | 73,116,000 | 73,798,000 | 75,754,000 |
| Total loans | 63,223,000 | 63,822,000 | 64,491,000 | 65,179,000 |
| Allowance for loan losses | 985,000 | 997,000 | 996,000 | 996,000 |
| Securities available for sale | 132,000 | 127,000 | 120,000 | 113,000 |
| Securities held to maturity | 6,000 | 6,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,620,000 | 60,609,000 | 61,211,000 | 61,175,000 |
| Interest-bearing deposits | 55,973,000 | 55,048,000 | 55,627,000 | 55,798,000 |
| Noninterest-bearing deposits | 6,647,000 | 5,561,000 | 5,584,000 | 5,377,000 |
| Equity capital | 9,129,000 | 9,157,000 | 9,183,000 | 9,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 805,000 | 1,617,000 | 2,475,000 | 3,335,000 |
| Interest expense | 147,000 | 296,000 | 450,000 | 605,000 |
| Net interest income | 658,000 | 1,321,000 | 2,025,000 | 2,730,000 |
| Noninterest income | 57,000 | 167,000 | 229,000 | 279,000 |
| Noninterest expense | 812,000 | 1,541,000 | 2,274,000 | 2,987,000 |
| Provision for loan losses | -51,000 | -43,000 | -43,000 | -43,000 |
| Pretax income | -46,000 | -10,000 | 23,000 | 65,000 |
| Income tax | -10,000 | -2,000 | 5,000 | 34,000 |
| Net income | -36,000 | -8,000 | 18,000 | 31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,028,000 | 8,423,000 | 8,456,000 | 8,489,000 |
| Total capital | 9,682,000 | 9,067,000 | 9,113,000 | 9,278,000 |
| Risk-weighted assets | 51,998,000 | 51,166,000 | 52,204,000 | 62,888,000 |