Call reports 2021
ROCKLAND SAVINGS BANK, FSB — 2021
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 90,152,000 | 86,805,000 | 86,826,000 | 86,201,000 |
| Total loans | 72,479,000 | 74,028,000 | 74,852,000 | 74,625,000 |
| Allowance for loan losses | 822,000 | 828,000 | 759,000 | 544,000 |
| Securities available for sale | 59,000 | 55,000 | 52,000 | 48,000 |
| Securities held to maturity | 2,000 | 1,002,000 | 2,972,000 | 2,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,650,000 | 77,248,000 | 77,168,000 | 76,298,000 |
| Interest-bearing deposits | 68,934,000 | 65,989,000 | 63,436,000 | 63,456,000 |
| Noninterest-bearing deposits | 11,716,000 | 11,259,000 | 13,732,000 | 12,842,000 |
| Equity capital | 9,147,000 | 9,166,000 | 9,232,000 | 9,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 819,000 | 1,646,000 | 2,468,000 | 3,283,000 |
| Interest expense | 117,000 | 219,000 | 292,000 | 347,000 |
| Net interest income | 702,000 | 1,427,000 | 2,176,000 | 2,936,000 |
| Noninterest income | 5,000 | 78,000 | 144,000 | 208,000 |
| Noninterest expense | 767,000 | 1,539,000 | 2,341,000 | 3,213,000 |
| Provision for loan losses | 14,000 | 17,000 | -55,000 | -267,000 |
| Pretax income | -74,000 | -51,000 | 34,000 | 198,000 |
| Income tax | -16,000 | -11,000 | 8,000 | 49,000 |
| Net income | -58,000 | -40,000 | 26,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,445,000 | 8,623,000 | 8,708,000 | 8,871,000 |