Call reports 2012
ROWLEY SAVINGS BANK — 2012
What ROWLEY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 15,167,000 | 15,534,000 | 15,386,000 | 15,829,000 |
| Total loans | 5,337,000 | 5,558,000 | 5,664,000 | 5,762,000 |
| Allowance for loan losses | 120,000 | 122,000 | 124,000 | 110,000 |
| Securities available for sale | 11,000 | 10,000 | 9,000 | 8,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,005,000 | 14,351,000 | 14,221,000 | 14,648,000 |
| Interest-bearing deposits | 11,746,000 | 12,246,000 | 12,152,000 | 11,787,000 |
| Noninterest-bearing deposits | 2,259,000 | 2,105,000 | 2,069,000 | 2,861,000 |
| Equity capital | 1,107,000 | 1,116,000 | 1,110,000 | 1,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 111,000 | 222,000 | 333,000 | 443,000 |
| Interest expense | 7,000 | 15,000 | 22,000 | 27,000 |
| Net interest income | 104,000 | 207,000 | 311,000 | 416,000 |
| Noninterest income | 21,000 | 48,000 | 68,000 | 90,000 |
| Noninterest expense | 129,000 | 234,000 | 352,000 | 442,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | -6,000 | 17,000 | 22,000 | 57,000 |
| Income tax | 0 | 1,000 | 1,000 | 3,000 |
| Net income | -6,000 | 16,000 | 21,000 | 54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,107,000 | 1,116,000 | 1,110,000 | 1,143,000 |
| Total capital | 1,184,000 | 1,197,000 | 1,192,000 | 1,227,000 |
| Risk-weighted assets | 6,109,000 | 6,471,000 | 6,492,000 | 6,687,000 |