Call reports 2006
ROWLEY SAVINGS BANK — 2006
What ROWLEY SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 11,477,000 | 10,780,000 | 10,262,000 | 11,051,000 |
| Total loans | 7,938,000 | 7,943,000 | 7,941,000 | 7,575,000 |
| Allowance for loan losses | 151,000 | 153,000 | 155,000 | 157,000 |
| Securities available for sale | 26,000 | 25,000 | 27,000 | 25,000 |
| Securities held to maturity | 57,000 | 54,000 | 52,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,235,000 | 9,549,000 | 9,035,000 | 9,801,000 |
| Interest-bearing deposits | 8,663,000 | 8,292,000 | 7,789,000 | 8,179,000 |
| Noninterest-bearing deposits | 1,572,000 | 1,257,000 | 1,246,000 | 1,622,000 |
| Equity capital | 1,188,000 | 1,170,000 | 1,152,000 | 1,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 177,000 | 365,000 | 554,000 | 740,000 |
| Interest expense | 36,000 | 72,000 | 111,000 | 152,000 |
| Net interest income | 141,000 | 293,000 | 443,000 | 588,000 |
| Noninterest income | 18,000 | 36,000 | 59,000 | 87,000 |
| Noninterest expense | 128,000 | 254,000 | 381,000 | 504,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 29,000 | 71,000 | 116,000 | 164,000 |
| Income tax | 1,000 | 2,000 | 5,000 | 8,000 |
| Net income | 28,000 | 69,000 | 111,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,188,000 | 1,170,000 | 1,151,000 | 1,201,000 |
| Total capital | 1,280,000 | 1,260,000 | 1,239,000 | 1,288,000 |
| Risk-weighted assets | 7,286,000 | 7,133,000 | 7,008,000 | 6,864,000 |