Call reports 2009
ROWLEY SAVINGS BANK — 2009
What ROWLEY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 12,329,000 | 12,223,000 | 12,184,000 | 12,630,000 |
| Total loans | 6,278,000 | 6,201,000 | 6,019,000 | 6,172,000 |
| Allowance for loan losses | 81,000 | 101,000 | 103,000 | 104,000 |
| Securities available for sale | 17,000 | 17,000 | 16,000 | 15,000 |
| Securities held to maturity | 29,000 | 28,000 | 26,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,183,000 | 11,085,000 | 11,044,000 | 11,508,000 |
| Interest-bearing deposits | 9,567,000 | 9,297,000 | 9,096,000 | 9,464,000 |
| Noninterest-bearing deposits | 1,616,000 | 1,788,000 | 1,948,000 | 2,044,000 |
| Equity capital | 1,086,000 | 1,075,000 | 1,076,000 | 1,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 155,000 | 301,000 | 441,000 | 579,000 |
| Interest expense | 29,000 | 51,000 | 71,000 | 89,000 |
| Net interest income | 126,000 | 250,000 | 370,000 | 490,000 |
| Noninterest income | 20,000 | 43,000 | 65,000 | 89,000 |
| Noninterest expense | 134,000 | 275,000 | 415,000 | 535,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 10,000 | 14,000 | 15,000 | 37,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 10,000 | 14,000 | 15,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,086,000 | 1,075,000 | 1,076,000 | 1,082,000 |
| Total capital | 1,167,000 | 1,156,000 | 1,157,000 | 1,165,000 |
| Risk-weighted assets | 6,556,000 | 6,463,000 | 6,467,000 | 6,597,000 |