Call reports 2008
ROWLEY SAVINGS BANK — 2008
What ROWLEY SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 11,880,000 | 12,035,000 | 11,616,000 | 12,054,000 |
| Total loans | 6,558,000 | 6,282,000 | 6,472,000 | 6,883,000 |
| Allowance for loan losses | 73,000 | 75,000 | 77,000 | 79,000 |
| Securities available for sale | 21,000 | 20,000 | 20,000 | 20,000 |
| Securities held to maturity | 34,000 | 34,000 | 31,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,762,000 | 10,894,000 | 10,462,000 | 10,920,000 |
| Interest-bearing deposits | 7,032,000 | 9,352,000 | 8,768,000 | 9,046,000 |
| Noninterest-bearing deposits | 3,730,000 | 1,542,000 | 1,694,000 | 1,874,000 |
| Equity capital | 1,056,000 | 1,065,000 | 1,078,000 | 1,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 177,000 | 348,000 | 513,000 | 681,000 |
| Interest expense | 41,000 | 77,000 | 111,000 | 143,000 |
| Net interest income | 136,000 | 271,000 | 402,000 | 538,000 |
| Noninterest income | 18,000 | 35,000 | 57,000 | 76,000 |
| Noninterest expense | 138,000 | 272,000 | 395,000 | 541,000 |
| Provision for loan losses | 2,000 | 4,000 | 6,000 | 7,000 |
| Pretax income | 14,000 | 30,000 | 58,000 | 66,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 14,000 | 30,000 | 58,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,056,000 | 1,065,000 | 1,078,000 | 1,083,000 |
| Total capital | 1,129,000 | 1,140,000 | 1,155,000 | 1,162,000 |
| Risk-weighted assets | 6,454,000 | 6,471,000 | 6,558,000 | 6,904,000 |