Call reports 2018
ROWLEY SAVINGS BANK — 2018
What ROWLEY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 16,826,000 | 16,330,000 | 15,677,000 | 15,780,000 |
| Total loans | 4,279,000 | 4,039,000 | 4,097,000 | 4,075,000 |
| Allowance for loan losses | 134,000 | 136,000 | 138,000 | 139,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,501,000 | 14,986,000 | 14,317,000 | 14,394,000 |
| Interest-bearing deposits | 12,686,000 | 12,618,000 | 11,747,000 | 11,378,000 |
| Noninterest-bearing deposits | 2,815,000 | 2,368,000 | 2,570,000 | 3,016,000 |
| Equity capital | 1,276,000 | 1,284,000 | 1,312,000 | 1,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 108,000 | 226,000 | 350,000 | 487,000 |
| Interest expense | 4,000 | 9,000 | 13,000 | 17,000 |
| Net interest income | 104,000 | 217,000 | 337,000 | 470,000 |
| Noninterest income | 12,000 | 25,000 | 38,000 | 53,000 |
| Noninterest expense | 100,000 | 207,000 | 301,000 | 411,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 14,000 | 31,000 | 69,000 | 105,000 |
| Income tax | 0 | 0 | 3,000 | 5,000 |
| Net income | 14,000 | 31,000 | 66,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,276,000 | 1,284,000 | 1,312,000 | 1,343,000 |
| Total capital | 1,324,000 | 1,331,000 | 1,359,000 | 1,388,000 |
| Risk-weighted assets | 3,829,000 | 3,688,000 | 3,693,000 | 3,519,000 |