Call reports 2019
ROWLEY SAVINGS BANK — 2019
What ROWLEY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 15,421,000 | 15,440,000 | 15,386,000 | 16,182,000 |
| Total loans | 3,951,000 | 3,971,000 | 3,714,000 | 3,523,000 |
| Allowance for loan losses | 140,000 | 140,000 | 147,000 | 146,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,013,000 | 14,006,000 | 13,920,000 | 14,705,000 |
| Interest-bearing deposits | 11,300,000 | 11,714,000 | 11,585,000 | 11,947,000 |
| Noninterest-bearing deposits | 2,713,000 | 2,292,000 | 2,335,000 | 2,758,000 |
| Equity capital | 1,362,000 | 1,383,000 | 1,416,000 | 1,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 125,000 | 259,000 | 396,000 | 527,000 |
| Interest expense | 4,000 | 8,000 | 12,000 | 16,000 |
| Net interest income | 121,000 | 251,000 | 384,000 | 511,000 |
| Noninterest income | 12,000 | 24,000 | 39,000 | 53,000 |
| Noninterest expense | 109,000 | 205,000 | 302,000 | 406,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 23,000 | 69,000 | 120,000 | 157,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 8,000 |
| Net income | 22,000 | 66,000 | 114,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,362,000 | 1,383,000 | 1,416,000 | 1,437,000 |
| Total capital | 1,405,000 | 1,428,000 | 1,458,000 | 1,478,000 |
| Risk-weighted assets | 3,386,000 | 3,517,000 | 3,292,000 | 3,219,000 |