Call reports 2010
ROWLEY SAVINGS BANK — 2010
What ROWLEY SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 13,104,000 | 12,867,000 | 12,320,000 | 13,046,000 |
| Total loans | 6,025,000 | 6,469,000 | 6,515,000 | 6,094,000 |
| Allowance for loan losses | 106,000 | 108,000 | 110,000 | 111,000 |
| Securities available for sale | 15,000 | 14,000 | 14,000 | 13,000 |
| Securities held to maturity | 23,000 | 23,000 | 22,000 | 21,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,984,000 | 11,650,000 | 11,085,000 | 11,862,000 |
| Interest-bearing deposits | 10,075,000 | 9,964,000 | 9,356,000 | 9,765,000 |
| Noninterest-bearing deposits | 1,909,000 | 1,686,000 | 1,729,000 | 2,097,000 |
| Equity capital | 1,075,000 | 1,072,000 | 1,085,000 | 1,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 134,000 | 264,000 | 395,000 | 523,000 |
| Interest expense | 16,000 | 31,000 | 44,000 | 55,000 |
| Net interest income | 118,000 | 233,000 | 351,000 | 468,000 |
| Noninterest income | 25,000 | 45,000 | 70,000 | 105,000 |
| Noninterest expense | 135,000 | 265,000 | 385,000 | 481,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 6,000 | 9,000 | 31,000 | 85,000 |
| Income tax | 0 | 0 | 0 | 4,000 |
| Net income | 6,000 | 9,000 | 31,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,075,000 | 1,072,000 | 1,085,000 | 1,134,000 |
| Total capital | 1,156,000 | 1,155,000 | 1,166,000 | 1,213,000 |
| Risk-weighted assets | 6,486,000 | 6,592,000 | 6,484,000 | 6,326,000 |