Call reports 2010
ROXBORO SAVINGS BANK, SSB — 2010
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 187,610,000 | 188,122,000 | 190,023,000 | 183,191,000 |
| Total loans | 94,438,000 | 95,801,000 | 96,109,000 | 96,563,000 |
| Allowance for loan losses | 833,000 | 858,000 | 859,000 | 827,000 |
| Securities available for sale | 65,382,000 | 71,355,000 | 69,994,000 | 67,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,934,000 | 134,045,000 | 135,228,000 | 134,444,000 |
| Interest-bearing deposits | 127,933,000 | 127,891,000 | 128,722,000 | 127,880,000 |
| Noninterest-bearing deposits | 6,001,000 | 6,154,000 | 6,506,000 | 6,564,000 |
| Equity capital | 28,524,000 | 29,142,000 | 29,889,000 | 28,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,074,000 | 4,134,000 | 6,190,000 | 8,231,000 |
| Interest expense | 705,000 | 1,378,000 | 2,047,000 | 2,662,000 |
| Net interest income | 1,369,000 | 2,756,000 | 4,143,000 | 5,569,000 |
| Noninterest income | 209,000 | 490,000 | 754,000 | 1,009,000 |
| Noninterest expense | 820,000 | 1,982,000 | 2,807,000 | 3,822,000 |
| Provision for loan losses | 70,000 | 199,000 | 259,000 | 367,000 |
| Pretax income | 714,000 | 1,118,000 | 1,953,000 | 2,631,000 |
| Income tax | 155,000 | 111,000 | 425,000 | 712,000 |
| Net income | 559,000 | 1,007,000 | 1,528,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,856,000 | 28,271,000 | 28,779,000 | 29,186,000 |
| Total capital | 28,705,000 | 29,161,000 | 29,676,000 | 30,044,000 |
| Risk-weighted assets | 97,641,000 | 96,124,000 | 99,064,000 | 99,967,000 |