Call reports 2011
ROWLEY SAVINGS BANK — 2011
What ROWLEY SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 13,822,000 | 13,942,000 | 13,973,000 | 14,265,000 |
| Total loans | 5,758,000 | 5,562,000 | 5,890,000 | 5,611,000 |
| Allowance for loan losses | 124,000 | 135,000 | 136,000 | 118,000 |
| Securities available for sale | 12,000 | 12,000 | 11,000 | 11,000 |
| Securities held to maturity | 20,000 | 19,000 | 18,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,589,000 | 12,764,000 | 12,712,000 | 13,115,000 |
| Interest-bearing deposits | 10,593,000 | 11,257,000 | 10,554,000 | 10,657,000 |
| Noninterest-bearing deposits | 1,996,000 | 1,507,000 | 2,158,000 | 2,458,000 |
| Equity capital | 1,128,000 | 1,105,000 | 1,094,000 | 1,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 118,000 | 235,000 | 343,000 | 456,000 |
| Interest expense | 11,000 | 22,000 | 32,000 | 40,000 |
| Net interest income | 107,000 | 213,000 | 311,000 | 416,000 |
| Noninterest income | 25,000 | 34,000 | 56,000 | 80,000 |
| Noninterest expense | 120,000 | 249,000 | 366,000 | 451,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 10,000 | -6,000 | -4,000 | 38,000 |
| Income tax | 0 | 0 | 1,000 | 2,000 |
| Net income | 10,000 | -6,000 | -5,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,128,000 | 1,105,000 | 1,094,000 | 1,113,000 |
| Total capital | 1,207,000 | 1,182,000 | 1,174,000 | 1,191,000 |
| Risk-weighted assets | 6,262,000 | 6,099,000 | 6,320,000 | 6,213,000 |