Call reports 2020
ROWLEY SAVINGS BANK — 2020
What ROWLEY SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 15,845,000 | 16,305,000 | 16,311,000 | 17,428,000 |
| Total loans | 3,802,000 | 3,630,000 | 3,418,000 | 3,058,000 |
| Allowance for loan losses | 146,000 | 147,000 | 147,000 | 147,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,339,000 | 14,798,000 | 14,812,000 | 15,941,000 |
| Interest-bearing deposits | 11,650,000 | 12,122,000 | 11,472,000 | 12,888,000 |
| Noninterest-bearing deposits | 2,689,000 | 2,676,000 | 3,340,000 | 3,053,000 |
| Equity capital | 1,458,000 | 1,458,000 | 1,452,000 | 1,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 121,000 | 226,000 | 312,000 | 385,000 |
| Interest expense | 4,000 | 8,000 | 11,000 | 15,000 |
| Net interest income | 117,000 | 218,000 | 301,000 | 370,000 |
| Noninterest income | 15,000 | 25,000 | 38,000 | 49,000 |
| Noninterest expense | 101,000 | 198,000 | 297,000 | 380,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 31,000 | 45,000 | 42,000 | 39,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 30,000 | 43,000 | 39,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,458,000 | 1,458,000 | 1,452,000 | 1,448,000 |