Call reports 2015
ROWLEY SAVINGS BANK — 2015
What ROWLEY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 16,600,000 | 16,438,000 | 16,373,000 | 17,020,000 |
| Total loans | 5,189,000 | 5,148,000 | 5,045,000 | 5,415,000 |
| Allowance for loan losses | 121,000 | 121,000 | 122,000 | 124,000 |
| Securities available for sale | 3,000 | 2,000 | 2,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,359,000 | 15,211,000 | 15,142,000 | 15,783,000 |
| Interest-bearing deposits | 12,974,000 | 13,199,000 | 12,779,000 | 13,363,000 |
| Noninterest-bearing deposits | 2,385,000 | 2,012,000 | 2,363,000 | 2,420,000 |
| Equity capital | 1,199,000 | 1,183,000 | 1,173,000 | 1,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 97,000 | 198,000 | 299,000 | 403,000 |
| Interest expense | 5,000 | 9,000 | 14,000 | 18,000 |
| Net interest income | 92,000 | 189,000 | 285,000 | 385,000 |
| Noninterest income | 15,000 | 33,000 | 47,000 | 59,000 |
| Noninterest expense | 98,000 | 195,000 | 300,000 | 388,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 7,000 | 23,000 | 27,000 | 49,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 7,000 | 22,000 | 25,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,199,000 | 1,183,000 | 1,173,000 | 1,193,000 |
| Total capital | 1,281,000 | 1,264,000 | 1,253,000 | 1,255,000 |
| Risk-weighted assets | 6,534,000 | 6,512,000 | 6,413,000 | 4,916,000 |