Call reports 2012
ROXBORO SAVINGS BANK, SSB — 2012
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 199,455,000 | 198,517,000 | 202,562,000 | 202,465,000 |
| Total loans | 97,796,000 | 96,252,000 | 98,380,000 | 97,416,000 |
| Allowance for loan losses | 930,000 | 944,000 | 1,021,000 | 990,000 |
| Securities available for sale | 75,601,000 | 80,756,000 | 83,263,000 | 80,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,226,000 | 142,235,000 | 143,856,000 | 144,035,000 |
| Interest-bearing deposits | 136,874,000 | 135,448,000 | 135,641,000 | 135,636,000 |
| Noninterest-bearing deposits | 7,352,000 | 6,787,000 | 8,215,000 | 8,399,000 |
| Equity capital | 32,559,000 | 33,268,000 | 33,801,000 | 34,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,777,000 | 3,600,000 | 5,320,000 | 7,069,000 |
| Interest expense | 413,000 | 796,000 | 1,166,000 | 1,523,000 |
| Net interest income | 1,364,000 | 2,804,000 | 4,154,000 | 5,546,000 |
| Noninterest income | 371,000 | 769,000 | 1,010,000 | 1,380,000 |
| Noninterest expense | 981,000 | 1,944,000 | 2,854,000 | 3,856,000 |
| Provision for loan losses | 34,000 | 168,000 | 245,000 | 214,000 |
| Pretax income | 755,000 | 1,938,000 | 2,545,000 | 3,341,000 |
| Income tax | 265,000 | 530,000 | 746,000 | 1,026,000 |
| Net income | 490,000 | 1,408,000 | 1,799,000 | 2,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,604,000 | 32,520,000 | 32,906,000 | 33,437,000 |
| Total capital | 32,560,000 | 33,491,000 | 33,956,000 | 34,450,000 |
| Risk-weighted assets | 97,970,000 | 98,408,000 | 101,560,000 | 102,516,000 |