Call reports 2007
ROWLEY SAVINGS BANK — 2007
What ROWLEY SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 11,230,000 | 11,006,000 | 11,194,000 | 11,139,000 |
| Total loans | 7,200,000 | 6,837,000 | 6,918,000 | 6,800,000 |
| Allowance for loan losses | 159,000 | 68,000 | 70,000 | 71,000 |
| Securities available for sale | 24,000 | 23,000 | 23,000 | 22,000 |
| Securities held to maturity | 47,000 | 43,000 | 42,000 | 37,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,031,000 | 9,874,000 | 10,071,000 | 10,026,000 |
| Interest-bearing deposits | 8,458,000 | 6,471,000 | 8,501,000 | 8,223,000 |
| Noninterest-bearing deposits | 1,573,000 | 3,403,000 | 1,570,000 | 1,803,000 |
| Equity capital | 1,135,000 | 1,064,000 | 1,049,000 | 1,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 185,000 | 354,000 | 538,000 | 724,000 |
| Interest expense | 43,000 | 87,000 | 132,000 | 177,000 |
| Net interest income | 142,000 | 267,000 | 406,000 | 547,000 |
| Noninterest income | 16,000 | 34,000 | 56,000 | 95,000 |
| Noninterest expense | 130,000 | 257,000 | 394,000 | 545,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 26,000 | 40,000 | 63,000 | 90,000 |
| Income tax | 0 | 2,000 | 3,000 | 4,000 |
| Net income | 26,000 | 38,000 | 60,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,135,000 | 1,064,000 | 1,049,000 | 1,063,000 |
| Total capital | 1,221,000 | 1,132,000 | 1,119,000 | 1,134,000 |
| Risk-weighted assets | 6,775,000 | 6,543,000 | 6,676,000 | 6,522,000 |