Call reports 2006
ROXBORO SAVINGS BANK, SSB — 2006
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 147,315,000 | 145,516,000 | 151,638,000 | 153,337,000 |
| Total loans | 68,933,000 | 70,980,000 | 75,844,000 | 77,582,000 |
| Allowance for loan losses | 474,000 | 543,000 | 553,000 | 562,000 |
| Securities available for sale | 63,307,000 | 61,385,000 | 60,080,000 | 58,103,000 |
| Securities held to maturity | 198,000 | 198,000 | 198,000 | 198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,948,000 | 114,616,000 | 116,448,000 | 118,085,000 |
| Interest-bearing deposits | 108,600,000 | 109,557,000 | 111,647,000 | 113,377,000 |
| Noninterest-bearing deposits | 4,348,000 | 5,059,000 | 4,801,000 | 4,708,000 |
| Equity capital | 26,575,000 | 26,422,000 | 27,552,000 | 27,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,887,000 | 3,867,000 | 5,906,000 | 7,999,000 |
| Interest expense | 750,000 | 1,547,000 | 2,417,000 | 3,376,000 |
| Net interest income | 1,137,000 | 2,320,000 | 3,489,000 | 4,623,000 |
| Noninterest income | 163,000 | 295,000 | 456,000 | 566,000 |
| Noninterest expense | 724,000 | 1,590,000 | 2,370,000 | 3,280,000 |
| Provision for loan losses | 9,000 | 78,000 | 87,000 | 96,000 |
| Pretax income | 567,000 | 965,000 | 1,506,000 | 1,831,000 |
| Income tax | 169,000 | 209,000 | 324,000 | 464,000 |
| Net income | 398,000 | 756,000 | 1,182,000 | 1,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,380,000 | 26,803,000 | 27,230,000 | 27,413,000 |
| Total capital | 27,515,000 | 27,933,000 | 28,544,000 | 28,751,000 |
| Risk-weighted assets | 82,354,000 | 83,412,000 | 88,273,000 | 90,513,000 |