Call reports 2002
ROXBORO SAVINGS BANK, SSB — 2002
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 141,014,000 | 139,120,000 | 143,583,000 | 143,105,000 |
| Total loans | 68,126,000 | 67,163,000 | 65,279,000 | 64,438,000 |
| Allowance for loan losses | 389,000 | 395,000 | 393,000 | 398,000 |
| Securities available for sale | 44,678,000 | 44,466,000 | 51,675,000 | 54,004,000 |
| Securities held to maturity | 3,098,000 | 3,097,000 | 3,098,000 | 3,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,250,000 | 109,981,000 | 113,923,000 | 113,336,000 |
| Interest-bearing deposits | 109,602,000 | 107,604,000 | 111,253,000 | 111,004,000 |
| Noninterest-bearing deposits | 2,648,000 | 2,377,000 | 2,670,000 | 2,332,000 |
| Equity capital | 21,743,000 | 22,527,000 | 22,953,000 | 23,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,048,000 | 4,049,000 | 6,105,000 | 8,107,000 |
| Interest expense | 1,020,000 | 1,927,000 | 2,768,000 | 3,594,000 |
| Net interest income | 1,028,000 | 2,122,000 | 3,337,000 | 4,513,000 |
| Noninterest income | 60,000 | 116,000 | 130,000 | 241,000 |
| Noninterest expense | 700,000 | 1,322,000 | 2,018,000 | 2,807,000 |
| Provision for loan losses | 26,000 | 31,000 | 33,000 | 40,000 |
| Pretax income | 362,000 | 961,000 | 1,492,000 | 1,983,000 |
| Income tax | 135,000 | 248,000 | 477,000 | 643,000 |
| Net income | 227,000 | 713,000 | 1,015,000 | 1,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,246,000 | 20,733,000 | 21,034,000 | 21,359,000 |
| Total capital | 21,519,000 | 21,980,000 | 22,203,000 | 22,578,000 |
| Risk-weighted assets | 67,433,000 | 68,328,000 | 69,360,000 | 69,703,000 |