Call reports 2017
ROWLEY SAVINGS BANK — 2017
What ROWLEY SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 17,013,000 | 16,900,000 | 16,793,000 | 17,181,000 |
| Total loans | 4,661,000 | 4,730,000 | 4,804,000 | 4,381,000 |
| Allowance for loan losses | 127,000 | 128,000 | 130,000 | 132,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,713,000 | 15,591,000 | 15,490,000 | 15,876,000 |
| Interest-bearing deposits | 12,850,000 | 12,522,000 | 12,682,000 | 12,815,000 |
| Noninterest-bearing deposits | 2,863,000 | 3,069,000 | 2,808,000 | 3,061,000 |
| Equity capital | 1,257,000 | 1,253,000 | 1,250,000 | 1,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 108,000 | 214,000 | 321,000 | 429,000 |
| Interest expense | 5,000 | 9,000 | 13,000 | 17,000 |
| Net interest income | 103,000 | 205,000 | 308,000 | 412,000 |
| Noninterest income | 14,000 | 26,000 | 41,000 | 53,000 |
| Noninterest expense | 99,000 | 198,000 | 305,000 | 391,000 |
| Provision for loan losses | -28,000 | -26,000 | -25,000 | -23,000 |
| Pretax income | 46,000 | 59,000 | 69,000 | 97,000 |
| Income tax | 2,000 | 5,000 | 5,000 | 7,000 |
| Net income | 44,000 | 54,000 | 64,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,257,000 | 1,253,000 | 1,250,000 | 1,262,000 |
| Total capital | 1,312,000 | 1,307,000 | 1,303,000 | 1,313,000 |
| Risk-weighted assets | 4,341,000 | 4,274,000 | 4,187,000 | 4,070,000 |