Call reports 2005
ROWLEY SAVINGS BANK — 2005
What ROWLEY SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 13,214,000 | 12,196,000 | 11,885,000 | 11,961,000 |
| Total loans | 7,952,000 | 7,976,000 | 8,216,000 | 8,217,000 |
| Allowance for loan losses | 144,000 | 146,000 | 148,000 | 149,000 |
| Securities available for sale | 36,000 | 35,000 | 33,000 | 32,000 |
| Securities held to maturity | 75,000 | 71,000 | 64,000 | 59,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,797,000 | 10,855,000 | 10,570,000 | 10,625,000 |
| Interest-bearing deposits | 10,306,000 | 9,602,000 | 9,132,000 | 8,734,000 |
| Noninterest-bearing deposits | 1,491,000 | 1,253,000 | 1,438,000 | 1,891,000 |
| Equity capital | 1,371,000 | 1,285,000 | 1,242,000 | 1,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 180,000 | 350,000 | 524,000 | 707,000 |
| Interest expense | 29,000 | 57,000 | 86,000 | 117,000 |
| Net interest income | 151,000 | 293,000 | 438,000 | 590,000 |
| Noninterest income | 15,000 | 33,000 | 53,000 | 89,000 |
| Noninterest expense | 136,000 | 274,000 | 425,000 | 553,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 28,000 | 48,000 | 61,000 | 119,000 |
| Income tax | 0 | 2,000 | 3,000 | 7,000 |
| Net income | 28,000 | 46,000 | 58,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,371,000 | 1,285,000 | 1,242,000 | 1,296,000 |
| Total capital | 1,466,000 | 1,379,000 | 1,337,000 | 1,390,000 |
| Risk-weighted assets | 7,575,000 | 7,438,000 | 7,518,000 | 7,499,000 |