Call reports 2011
ROXBORO SAVINGS BANK, SSB — 2011
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 183,422,000 | 187,206,000 | 201,956,000 | 198,028,000 |
| Total loans | 95,353,000 | 96,798,000 | 96,607,000 | 96,014,000 |
| Allowance for loan losses | 867,000 | 967,000 | 898,000 | 896,000 |
| Securities available for sale | 67,798,000 | 68,363,000 | 79,952,000 | 76,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,026,000 | 136,317,000 | 140,128,000 | 140,852,000 |
| Interest-bearing deposits | 127,539,000 | 129,073,000 | 132,905,000 | 133,812,000 |
| Noninterest-bearing deposits | 6,487,000 | 7,244,000 | 7,223,000 | 7,040,000 |
| Equity capital | 29,601,000 | 30,760,000 | 31,652,000 | 32,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,949,000 | 3,896,000 | 5,804,000 | 7,680,000 |
| Interest expense | 525,000 | 1,024,000 | 1,522,000 | 2,013,000 |
| Net interest income | 1,424,000 | 2,872,000 | 4,282,000 | 5,667,000 |
| Noninterest income | 237,000 | 428,000 | 661,000 | 924,000 |
| Noninterest expense | 959,000 | 2,101,000 | 3,061,000 | 4,048,000 |
| Provision for loan losses | 40,000 | 144,000 | 75,000 | 56,000 |
| Pretax income | 663,000 | 1,072,000 | 1,827,000 | 2,546,000 |
| Income tax | 299,000 | 85,000 | 294,000 | 629,000 |
| Net income | 364,000 | 987,000 | 1,533,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,562,000 | 30,180,000 | 30,720,000 | 31,111,000 |
| Total capital | 30,455,000 | 31,176,000 | 31,648,000 | 32,034,000 |
| Risk-weighted assets | 98,593,000 | 99,559,000 | 98,054,000 | 97,071,000 |