Call reports 2001
ROXBORO SAVINGS BANK, SSB — 2001
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 127,535,000 | 128,904,000 | 132,942,000 | 139,117,000 |
| Total loans | 68,989,000 | 69,553,000 | 69,629,000 | 68,553,000 |
| Allowance for loan losses | 350,000 | 359,000 | 367,000 | 369,000 |
| Securities available for sale | 32,841,000 | 33,113,000 | 40,295,000 | 42,739,000 |
| Securities held to maturity | 6,501,000 | 7,597,000 | 3,597,000 | 3,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,883,000 | 105,976,000 | 109,494,000 | 110,573,000 |
| Interest-bearing deposits | 102,762,000 | 103,673,000 | 107,167,000 | 108,429,000 |
| Noninterest-bearing deposits | 2,121,000 | 2,303,000 | 2,327,000 | 2,144,000 |
| Equity capital | 20,989,000 | 21,349,000 | 21,748,000 | 21,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,203,000 | 4,341,000 | 6,500,000 | 8,609,000 |
| Interest expense | 1,227,000 | 2,460,000 | 3,661,000 | 4,792,000 |
| Net interest income | 976,000 | 1,881,000 | 2,839,000 | 3,817,000 |
| Noninterest income | 36,000 | 82,000 | 136,000 | 194,000 |
| Noninterest expense | 668,000 | 1,290,000 | 2,005,000 | 2,757,000 |
| Provision for loan losses | 19,000 | 28,000 | 38,000 | 54,000 |
| Pretax income | 325,000 | 645,000 | 932,000 | 1,200,000 |
| Income tax | 110,000 | 124,000 | 252,000 | 363,000 |
| Net income | 215,000 | 521,000 | 680,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,397,000 | 19,703,000 | 19,862,000 | 20,019,000 |
| Total capital | 19,747,000 | 21,013,000 | 21,452,000 | 21,301,000 |
| Risk-weighted assets | 59,566,000 | 62,662,000 | 65,381,000 | 67,072,000 |