Call reports 2004
ROWLEY SAVINGS BANK — 2004
What ROWLEY SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 13,435,000 | 13,363,000 | 12,962,000 | 13,025,000 |
| Total loans | 8,456,000 | 8,172,000 | 8,202,000 | 8,034,000 |
| Allowance for loan losses | 140,000 | 142,000 | 144,000 | 146,000 |
| Securities available for sale | 47,000 | 45,000 | 38,000 | 36,000 |
| Securities held to maturity | 108,000 | 100,000 | 93,000 | 81,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,935,000 | 11,878,000 | 11,328,000 | 11,648,000 |
| Interest-bearing deposits | 10,263,000 | 10,447,000 | 9,824,000 | 9,951,000 |
| Noninterest-bearing deposits | 1,672,000 | 1,431,000 | 1,504,000 | 1,697,000 |
| Equity capital | 1,435,000 | 1,407,000 | 1,381,000 | 1,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 189,000 | 373,000 | 558,000 | 742,000 |
| Interest expense | 35,000 | 68,000 | 99,000 | 128,000 |
| Net interest income | 154,000 | 305,000 | 459,000 | 614,000 |
| Noninterest income | 19,000 | 38,000 | 55,000 | 93,000 |
| Noninterest expense | 140,000 | 279,000 | 416,000 | 564,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 31,000 | 60,000 | 93,000 | 136,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 7,000 |
| Net income | 30,000 | 58,000 | 89,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,434,000 | 1,406,000 | 1,380,000 | 1,342,000 |
| Total capital | 1,535,000 | 1,506,000 | 1,480,000 | 1,438,000 |
| Risk-weighted assets | 8,053,000 | 7,952,000 | 7,938,000 | 7,641,000 |