Call reports 2013
ROXBORO SAVINGS BANK, SSB — 2013
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 207,201,000 | 207,840,000 | 210,529,000 | 210,272,000 |
| Total loans | 97,033,000 | 97,710,000 | 96,208,000 | 97,460,000 |
| Allowance for loan losses | 977,000 | 967,000 | 925,000 | 957,000 |
| Securities available for sale | 82,960,000 | 83,890,000 | 86,858,000 | 88,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,200,000 | 146,013,000 | 149,898,000 | 149,380,000 |
| Interest-bearing deposits | 135,592,000 | 136,727,000 | 139,361,000 | 138,630,000 |
| Noninterest-bearing deposits | 8,608,000 | 9,286,000 | 10,537,000 | 10,750,000 |
| Equity capital | 34,665,000 | 33,464,000 | 33,729,000 | 34,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,717,000 | 3,478,000 | 5,137,000 | 6,851,000 |
| Interest expense | 320,000 | 645,000 | 953,000 | 1,252,000 |
| Net interest income | 1,397,000 | 2,833,000 | 4,184,000 | 5,599,000 |
| Noninterest income | 221,000 | 485,000 | 734,000 | 1,036,000 |
| Noninterest expense | 1,003,000 | 2,059,000 | 2,982,000 | 3,987,000 |
| Provision for loan losses | -14,000 | 14,000 | -29,000 | 71,000 |
| Pretax income | 634,000 | 1,252,000 | 1,973,000 | 2,578,000 |
| Income tax | 141,000 | 156,000 | 344,000 | 471,000 |
| Net income | 493,000 | 1,096,000 | 1,629,000 | 2,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,971,000 | 34,571,000 | 35,107,000 | 35,533,000 |
| Total capital | 34,953,000 | 35,543,000 | 36,036,000 | 36,518,000 |
| Risk-weighted assets | 103,437,000 | 104,482,000 | 105,638,000 | 106,779,000 |