Call reports 2009
ROXBORO SAVINGS BANK, SSB — 2009
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 183,308,000 | 186,096,000 | 184,587,000 | 182,715,000 |
| Total loans | 94,979,000 | 97,103,000 | 96,589,000 | 96,095,000 |
| Allowance for loan losses | 651,000 | 750,000 | 773,000 | 763,000 |
| Securities available for sale | 70,198,000 | 70,028,000 | 70,038,000 | 68,377,000 |
| Securities held to maturity | 198,000 | 198,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,684,000 | 134,002,000 | 134,258,000 | 134,176,000 |
| Interest-bearing deposits | 125,992,000 | 128,073,000 | 127,960,000 | 128,153,000 |
| Noninterest-bearing deposits | 5,692,000 | 5,929,000 | 6,298,000 | 6,023,000 |
| Equity capital | 27,894,000 | 26,779,000 | 27,872,000 | 28,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,268,000 | 4,564,000 | 6,831,000 | 9,066,000 |
| Interest expense | 997,000 | 1,970,000 | 2,916,000 | 3,719,000 |
| Net interest income | 1,271,000 | 2,594,000 | 3,915,000 | 5,347,000 |
| Noninterest income | 106,000 | 313,000 | 535,000 | 718,000 |
| Noninterest expense | 1,211,000 | 4,209,000 | 5,052,000 | 6,219,000 |
| Provision for loan losses | 55,000 | 155,000 | 185,000 | 215,000 |
| Pretax income | 193,000 | -1,329,000 | -621,000 | -190,000 |
| Income tax | 140,000 | 436,000 | 706,000 | 926,000 |
| Net income | 53,000 | -1,765,000 | -1,327,000 | -1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,057,000 | 26,672,000 | 26,999,000 | 27,254,000 |
| Total capital | 28,708,000 | 27,427,000 | 27,827,000 | 28,052,000 |
| Risk-weighted assets | 98,288,000 | 101,200,000 | 95,724,000 | 97,170,000 |