Call reports 2014
ROXBORO SAVINGS BANK, SSB — 2014
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 212,848,000 | 213,662,000 | 214,864,000 | 214,346,000 |
| Total loans | 96,183,000 | 94,864,000 | 95,358,000 | 93,879,000 |
| Allowance for loan losses | 1,051,000 | 1,014,000 | 1,052,000 | 1,003,000 |
| Securities available for sale | 91,693,000 | 92,817,000 | 95,460,000 | 98,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,228,000 | 149,971,000 | 151,498,000 | 150,768,000 |
| Interest-bearing deposits | 139,408,000 | 139,692,000 | 140,426,000 | 139,641,000 |
| Noninterest-bearing deposits | 10,820,000 | 10,279,000 | 11,072,000 | 11,127,000 |
| Equity capital | 35,302,000 | 36,095,000 | 36,828,000 | 37,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,751,000 | 3,498,000 | 5,276,000 | 6,989,000 |
| Interest expense | 274,000 | 548,000 | 816,000 | 1,070,000 |
| Net interest income | 1,477,000 | 2,950,000 | 4,460,000 | 5,919,000 |
| Noninterest income | 212,000 | 394,000 | 636,000 | 834,000 |
| Noninterest expense | 973,000 | 2,089,000 | 3,130,000 | 4,215,000 |
| Provision for loan losses | 94,000 | 57,000 | 95,000 | 45,000 |
| Pretax income | 622,000 | 1,198,000 | 2,012,000 | 2,687,000 |
| Income tax | 132,000 | 266,000 | 497,000 | 647,000 |
| Net income | 490,000 | 932,000 | 1,515,000 | 2,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,992,000 | 36,435,000 | 37,057,000 | 37,599,000 |
| Total capital | 37,084,000 | 37,490,000 | 38,133,000 | 38,618,000 |
| Risk-weighted assets | 103,832,000 | 103,389,000 | 102,633,000 | 103,555,000 |