Call reports 2022
ROCKLAND SAVINGS BANK, FSB — 2022
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 85,281,000 | 87,270,000 | 89,339,000 | 86,156,000 |
| Total loans | 72,385,000 | 73,277,000 | 73,290,000 | 73,364,000 |
| Allowance for loan losses | 562,000 | 578,000 | 531,000 | 548,000 |
| Securities available for sale | 44,000 | 39,000 | 36,000 | 34,000 |
| Securities held to maturity | 2,892,000 | 2,868,000 | 2,833,000 | 2,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,519,000 | 75,522,000 | 79,460,000 | 76,209,000 |
| Interest-bearing deposits | 62,719,000 | 62,927,000 | 66,001,000 | 63,622,000 |
| Noninterest-bearing deposits | 12,800,000 | 12,595,000 | 13,459,000 | 12,587,000 |
| Equity capital | 9,337,000 | 9,341,000 | 9,472,000 | 9,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,569,000 | 2,407,000 | 3,289,000 |
| Interest expense | 45,000 | 98,000 | 170,000 | 262,000 |
| Net interest income | 736,000 | 1,471,000 | 2,237,000 | 3,027,000 |
| Noninterest income | 64,000 | 129,000 | 209,000 | 277,000 |
| Noninterest expense | 806,000 | 1,584,000 | 2,314,000 | 3,167,000 |
| Provision for loan losses | 15,000 | 30,000 | -20,000 | -5,000 |
| Pretax income | -21,000 | -14,000 | 152,000 | 142,000 |
| Income tax | -4,000 | -1,000 | 34,000 | 37,000 |
| Net income | -17,000 | -13,000 | 118,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,788,000 | 8,793,000 | 8,958,000 | 9,021,000 |