Call reports 2004
ROXBORO SAVINGS BANK, SSB — 2004
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 139,944,000 | 146,179,000 | 147,107,000 | 146,543,000 |
| Total loans | 56,514,000 | 59,366,000 | 59,200,000 | 61,344,000 |
| Allowance for loan losses | 479,000 | 486,000 | 475,000 | 434,000 |
| Securities available for sale | 58,443,000 | 71,370,000 | 68,044,000 | 71,808,000 |
| Securities held to maturity | 1,041,000 | 1,041,000 | 198,000 | 198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,873,000 | 112,012,000 | 112,019,000 | 111,522,000 |
| Interest-bearing deposits | 110,342,000 | 108,443,000 | 108,362,000 | 107,955,000 |
| Noninterest-bearing deposits | 3,531,000 | 3,569,000 | 3,657,000 | 3,567,000 |
| Equity capital | 24,834,000 | 24,233,000 | 25,590,000 | 25,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,719,000 | 3,470,000 | 5,283,000 | 7,094,000 |
| Interest expense | 514,000 | 1,029,000 | 1,582,000 | 2,153,000 |
| Net interest income | 1,205,000 | 2,441,000 | 3,701,000 | 4,941,000 |
| Noninterest income | 123,000 | 253,000 | 373,000 | 498,000 |
| Noninterest expense | 719,000 | 1,415,000 | 2,119,000 | 3,020,000 |
| Provision for loan losses | 35,000 | 43,000 | 42,000 | 51,000 |
| Pretax income | 639,000 | 1,289,000 | 2,000,000 | 2,457,000 |
| Income tax | 180,000 | 275,000 | 492,000 | 710,000 |
| Net income | 459,000 | 1,014,000 | 1,508,000 | 1,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,171,000 | 23,725,000 | 24,219,000 | 24,458,000 |
| Total capital | 24,460,000 | 25,010,000 | 25,541,000 | 25,850,000 |
| Risk-weighted assets | 66,848,000 | 69,680,000 | 72,992,000 | 76,442,000 |