Call reports 2007
ROXBORO SAVINGS BANK, SSB — 2007
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 153,175,000 | 149,352,000 | 152,502,000 | 164,158,000 |
| Total loans | 77,287,000 | 78,421,000 | 81,012,000 | 84,646,000 |
| Allowance for loan losses | 566,000 | 575,000 | 573,000 | 570,000 |
| Securities available for sale | 56,977,000 | 54,466,000 | 55,120,000 | 64,817,000 |
| Securities held to maturity | 198,000 | 198,000 | 198,000 | 198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,819,000 | 119,669,000 | 121,732,000 | 120,904,000 |
| Interest-bearing deposits | 115,590,000 | 114,667,000 | 116,834,000 | 116,448,000 |
| Noninterest-bearing deposits | 5,229,000 | 5,002,000 | 4,898,000 | 4,456,000 |
| Equity capital | 28,135,000 | 27,881,000 | 28,662,000 | 28,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,069,000 | 4,156,000 | 6,270,000 | 8,470,000 |
| Interest expense | 973,000 | 1,974,000 | 3,008,000 | 4,081,000 |
| Net interest income | 1,096,000 | 2,182,000 | 3,262,000 | 4,389,000 |
| Noninterest income | 156,000 | 279,000 | 430,000 | 567,000 |
| Noninterest expense | 730,000 | 1,601,000 | 2,316,000 | 3,292,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 513,000 | 842,000 | 1,349,000 | 1,631,000 |
| Income tax | 200,000 | 44,000 | 125,000 | 234,000 |
| Net income | 313,000 | 798,000 | 1,224,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,727,000 | 28,212,000 | 28,639,000 | 28,812,000 |
| Total capital | 28,959,000 | 29,428,000 | 29,836,000 | 29,633,000 |
| Risk-weighted assets | 90,365,000 | 90,075,000 | 92,206,000 | 95,506,000 |