Call reports 2014
ROWLEY SAVINGS BANK — 2014
What ROWLEY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 17,521,000 | 16,631,000 | 16,576,000 | 16,366,000 |
| Total loans | 5,173,000 | 5,171,000 | 5,373,000 | 5,697,000 |
| Allowance for loan losses | 114,000 | 116,000 | 117,000 | 119,000 |
| Securities available for sale | 5,000 | 5,000 | 4,000 | 3,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,300,000 | 15,407,000 | 15,364,000 | 15,128,000 |
| Interest-bearing deposits | 13,568,000 | 13,317,000 | 12,894,000 | 12,607,000 |
| Noninterest-bearing deposits | 2,732,000 | 2,090,000 | 2,470,000 | 2,521,000 |
| Equity capital | 1,180,000 | 1,178,000 | 1,174,000 | 1,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 102,000 | 203,000 | 306,000 | 410,000 |
| Interest expense | 5,000 | 10,000 | 15,000 | 19,000 |
| Net interest income | 97,000 | 193,000 | 291,000 | 391,000 |
| Noninterest income | 17,000 | 32,000 | 48,000 | 68,000 |
| Noninterest expense | 96,000 | 193,000 | 293,000 | 384,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 16,000 | 28,000 | 41,000 | 68,000 |
| Income tax | 0 | 1,000 | 2,000 | 4,000 |
| Net income | 16,000 | 27,000 | 39,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,180,000 | 1,178,000 | 1,174,000 | 1,199,000 |
| Total capital | 1,262,000 | 1,258,000 | 1,256,000 | 1,283,000 |
| Risk-weighted assets | 6,518,000 | 6,401,000 | 6,539,000 | 6,682,000 |