Call reports 2025
ROCKLAND SAVINGS BANK, FSB — 2025
What ROCKLAND SAVINGS BANK, FSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 93,473,000 | 93,177,000 | 93,564,000 | 93,026,000 |
| Total loans | 80,877,000 | 79,992,000 | 80,375,000 | 79,553,000 |
| Allowance for loan losses | 630,000 | 631,000 | 610,000 | 613,000 |
| Securities available for sale | 15,000 | 13,000 | 12,000 | 11,000 |
| Securities held to maturity | 6,651,000 | 7,024,000 | 7,343,000 | 7,555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,638,000 | 73,160,000 | 74,857,000 | 72,689,000 |
| Interest-bearing deposits | 61,774,000 | 61,894,000 | 61,214,000 | 58,569,000 |
| Noninterest-bearing deposits | 10,864,000 | 11,266,000 | 13,643,000 | 14,120,000 |
| Equity capital | 9,063,000 | 9,091,000 | 9,140,000 | 9,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,300,000 | 2,562,000 | 3,838,000 | 5,117,000 |
| Interest expense | 511,000 | 1,022,000 | 1,535,000 | 2,021,000 |
| Net interest income | 789,000 | 1,540,000 | 2,303,000 | 3,096,000 |
| Noninterest income | 45,000 | 95,000 | 150,000 | 198,000 |
| Noninterest expense | 802,000 | 1,608,000 | 2,354,000 | 3,169,000 |
| Provision for loan losses | 3,000 | -54,000 | -45,000 | -52,000 |
| Pretax income | 29,000 | 75,000 | 144,000 | 174,000 |
| Income tax | 9,000 | 27,000 | 47,000 | 64,000 |
| Net income | 20,000 | 48,000 | 97,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,522,000 | 8,565,000 | 8,628,000 | 8,657,000 |
| Total capital | 9,171,000 | 9,221,000 | 9,256,000 | 9,292,000 |
| Risk-weighted assets | 65,496,000 | 65,221,000 | 64,276,000 | 63,793,000 |