Call reports 2008
ROXBORO SAVINGS BANK, SSB — 2008
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 164,419,000 | 162,244,000 | 166,688,000 | 167,624,000 |
| Total loans | 84,358,000 | 87,176,000 | 91,238,000 | 93,572,000 |
| Allowance for loan losses | 577,000 | 591,000 | 598,000 | 597,000 |
| Securities available for sale | 61,519,000 | 58,989,000 | 56,270,000 | 59,169,000 |
| Securities held to maturity | 198,000 | 198,000 | 198,000 | 198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,601,000 | 120,656,000 | 125,430,000 | 126,692,000 |
| Interest-bearing deposits | 116,611,000 | 114,811,000 | 119,597,000 | 121,334,000 |
| Noninterest-bearing deposits | 4,990,000 | 5,845,000 | 5,833,000 | 5,358,000 |
| Equity capital | 28,945,000 | 27,920,000 | 27,399,000 | 27,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,251,000 | 4,465,000 | 6,684,000 | 8,960,000 |
| Interest expense | 1,176,000 | 2,237,000 | 3,230,000 | 4,210,000 |
| Net interest income | 1,075,000 | 2,228,000 | 3,454,000 | 4,750,000 |
| Noninterest income | 169,000 | 327,000 | 480,000 | 736,000 |
| Noninterest expense | 802,000 | 1,749,000 | 2,574,000 | 3,605,000 |
| Provision for loan losses | 9,000 | 28,000 | 37,000 | 46,000 |
| Pretax income | 446,000 | -752,000 | -207,000 | 328,000 |
| Income tax | 132,000 | -384,000 | -239,000 | -62,000 |
| Net income | 314,000 | -368,000 | 32,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,086,000 | 28,445,000 | 28,299,000 | 27,984,000 |
| Total capital | 29,663,000 | 29,258,000 | 28,897,000 | 28,581,000 |
| Risk-weighted assets | 91,578,000 | 91,090,000 | 99,487,000 | 98,196,000 |