Call reports 2005
ROXBORO SAVINGS BANK, SSB — 2005
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 146,160,000 | 144,923,000 | 147,398,000 | 147,489,000 |
| Total loans | 62,422,000 | 64,678,000 | 67,115,000 | 66,714,000 |
| Allowance for loan losses | 439,000 | 445,000 | 453,000 | 463,000 |
| Securities available for sale | 67,815,000 | 65,531,000 | 63,158,000 | 64,081,000 |
| Securities held to maturity | 198,000 | 198,000 | 198,000 | 198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,292,000 | 110,834,000 | 112,755,000 | 113,211,000 |
| Interest-bearing deposits | 107,840,000 | 106,740,000 | 108,957,000 | 108,950,000 |
| Noninterest-bearing deposits | 3,452,000 | 4,094,000 | 3,798,000 | 4,261,000 |
| Equity capital | 25,558,000 | 26,217,000 | 26,178,000 | 26,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,813,000 | 3,647,000 | 5,493,000 | 7,393,000 |
| Interest expense | 569,000 | 1,182,000 | 1,830,000 | 2,515,000 |
| Net interest income | 1,244,000 | 2,465,000 | 3,663,000 | 4,878,000 |
| Noninterest income | 185,000 | 317,000 | 456,000 | 555,000 |
| Noninterest expense | 723,000 | 1,898,000 | 2,667,000 | 3,547,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 700,000 | 1,210,000 | 1,786,000 | 2,211,000 |
| Income tax | 216,000 | 315,000 | 507,000 | 623,000 |
| Net income | 484,000 | 895,000 | 1,279,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,942,000 | 25,353,000 | 25,736,000 | 26,045,000 |
| Total capital | 26,150,000 | 26,602,000 | 26,829,000 | 27,259,000 |
| Risk-weighted assets | 77,776,000 | 79,786,000 | 81,484,000 | 81,102,000 |