Call reports 2013
ROWLEY SAVINGS BANK — 2013
What ROWLEY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 17,785,000 | 17,848,000 | 16,161,000 | 16,014,000 |
| Total loans | 5,371,000 | 5,480,000 | 5,405,000 | 5,352,000 |
| Allowance for loan losses | 112,000 | 108,000 | 110,000 | 112,000 |
| Securities available for sale | 8,000 | 7,000 | 6,000 | 6,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,608,000 | 16,647,000 | 14,956,000 | 14,798,000 |
| Interest-bearing deposits | 13,926,000 | 13,439,000 | 12,466,000 | 12,203,000 |
| Noninterest-bearing deposits | 2,682,000 | 3,208,000 | 2,490,000 | 2,595,000 |
| Equity capital | 1,136,000 | 1,141,000 | 1,146,000 | 1,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 107,000 | 215,000 | 324,000 | 431,000 |
| Interest expense | 6,000 | 11,000 | 16,000 | 21,000 |
| Net interest income | 101,000 | 204,000 | 308,000 | 410,000 |
| Noninterest income | 18,000 | 34,000 | 58,000 | 87,000 |
| Noninterest expense | 107,000 | 210,000 | 317,000 | 418,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 10,000 | 24,000 | 44,000 | 72,000 |
| Income tax | 0 | 0 | 3,000 | 3,000 |
| Net income | 10,000 | 24,000 | 41,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,136,000 | 1,135,000 | 1,146,000 | 1,175,000 |
| Total capital | 1,221,000 | 1,220,000 | 1,227,000 | 1,254,000 |
| Risk-weighted assets | 6,812,000 | 6,784,000 | 6,422,000 | 6,298,000 |