Call reports 2016
ROWLEY SAVINGS BANK — 2016
What ROWLEY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 16,711,000 | 16,855,000 | 16,451,000 | 16,858,000 |
| Total loans | 5,010,000 | 5,179,000 | 4,925,000 | 4,774,000 |
| Allowance for loan losses | 179,000 | 181,000 | 183,000 | 155,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,464,000 | 15,591,000 | 15,202,000 | 15,589,000 |
| Interest-bearing deposits | 12,961,000 | 13,156,000 | 12,788,000 | 12,501,000 |
| Noninterest-bearing deposits | 2,503,000 | 2,435,000 | 2,414,000 | 3,088,000 |
| Equity capital | 1,198,000 | 1,206,000 | 1,207,000 | 1,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 104,000 | 206,000 | 318,000 | 420,000 |
| Interest expense | 4,000 | 9,000 | 13,000 | 18,000 |
| Net interest income | 100,000 | 197,000 | 305,000 | 402,000 |
| Noninterest income | 12,000 | 26,000 | 39,000 | 54,000 |
| Noninterest expense | 100,000 | 192,000 | 300,000 | 397,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | -23,000 |
| Pretax income | 10,000 | 27,000 | 39,000 | 82,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 9,000 | 25,000 | 36,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,198,000 | 1,206,000 | 1,207,000 | 1,234,000 |
| Total capital | 1,253,000 | 1,263,000 | 1,261,000 | 1,289,000 |
| Risk-weighted assets | 4,309,000 | 4,467,000 | 4,262,000 | 4,378,000 |