Call reports 2019
ROCKLAND SAVINGS BANK, FSB — 2019
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 74,371,000 | 77,353,000 | 83,433,000 | 86,896,000 |
| Total loans | 64,641,000 | 65,822,000 | 65,862,000 | 66,108,000 |
| Allowance for loan losses | 910,000 | 911,000 | 852,000 | 792,000 |
| Securities available for sale | 105,000 | 100,000 | 94,000 | 88,000 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,759,000 | 62,671,000 | 68,539,000 | 72,006,000 |
| Interest-bearing deposits | 54,332,000 | 56,961,000 | 62,212,000 | 65,414,000 |
| Noninterest-bearing deposits | 5,427,000 | 5,710,000 | 6,327,000 | 6,592,000 |
| Equity capital | 9,339,000 | 9,394,000 | 9,494,000 | 9,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,799,000 | 2,726,000 | 3,656,000 |
| Interest expense | 172,000 | 375,000 | 605,000 | 878,000 |
| Net interest income | 720,000 | 1,424,000 | 2,121,000 | 2,778,000 |
| Noninterest income | 70,000 | 142,000 | 220,000 | 283,000 |
| Noninterest expense | 726,000 | 1,435,000 | 2,142,000 | 2,881,000 |
| Provision for loan losses | -86,000 | -88,000 | -147,000 | -207,000 |
| Pretax income | 150,000 | 219,000 | 346,000 | 387,000 |
| Income tax | 32,000 | 46,000 | 73,000 | 100,000 |
| Net income | 118,000 | 173,000 | 273,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,667,000 | 8,736,000 | 8,863,000 | 8,865,000 |
| Total capital | 9,329,000 | 9,381,000 | 9,536,000 | 9,538,000 |
| Risk-weighted assets | 52,695,000 | 51,340,000 | 53,647,000 | 53,713,000 |