Call reports 2003
ROXBORO SAVINGS BANK, SSB — 2003
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 145,073,000 | 146,519,000 | 146,428,000 | 141,165,000 |
| Total loans | 61,273,000 | 59,800,000 | 60,901,000 | 60,415,000 |
| Allowance for loan losses | 430,000 | 445,000 | 459,000 | 461,000 |
| Securities available for sale | 56,454,000 | 61,087,000 | 62,086,000 | 61,452,000 |
| Securities held to maturity | 2,114,000 | 2,114,000 | 2,115,000 | 1,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,921,000 | 115,766,000 | 115,723,000 | 112,922,000 |
| Interest-bearing deposits | 112,464,000 | 113,268,000 | 113,007,000 | 110,088,000 |
| Noninterest-bearing deposits | 2,457,000 | 2,498,000 | 2,716,000 | 2,834,000 |
| Equity capital | 23,476,000 | 23,939,000 | 23,740,000 | 24,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,936,000 | 3,846,000 | 5,591,000 | 7,364,000 |
| Interest expense | 735,000 | 1,448,000 | 2,095,000 | 2,687,000 |
| Net interest income | 1,201,000 | 2,398,000 | 3,496,000 | 4,677,000 |
| Noninterest income | 112,000 | 202,000 | 306,000 | 376,000 |
| Noninterest expense | 674,000 | 1,379,000 | 2,085,000 | 2,875,000 |
| Provision for loan losses | 33,000 | 56,000 | 73,000 | 77,000 |
| Pretax income | 650,000 | 1,212,000 | 1,691,000 | 2,157,000 |
| Income tax | 269,000 | 410,000 | 600,000 | 799,000 |
| Net income | 381,000 | 802,000 | 1,091,000 | 1,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,740,000 | 22,156,000 | 22,435,000 | 22,712,000 |
| Total capital | 22,906,000 | 23,317,000 | 23,599,000 | 23,956,000 |
| Risk-weighted assets | 67,491,000 | 68,705,000 | 67,678,000 | 68,523,000 |