Call reports 2015
ROXBORO SAVINGS BANK, SSB — 2015
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 213,383,000 | 209,603,000 | 213,539,000 | 215,176,000 |
| Total loans | 96,385,000 | 98,627,000 | 100,504,000 | 102,353,000 |
| Allowance for loan losses | 987,000 | 992,000 | 1,060,000 | 1,031,000 |
| Securities available for sale | 97,979,000 | 90,746,000 | 90,253,000 | 89,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,759,000 | 146,453,000 | 149,295,000 | 150,912,000 |
| Interest-bearing deposits | 137,812,000 | 135,023,000 | 136,346,000 | 137,694,000 |
| Noninterest-bearing deposits | 11,947,000 | 11,430,000 | 12,949,000 | 13,218,000 |
| Equity capital | 38,596,000 | 38,153,000 | 39,002,000 | 39,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,717,000 | 3,432,000 | 5,125,000 | 6,887,000 |
| Interest expense | 238,000 | 469,000 | 721,000 | 978,000 |
| Net interest income | 1,479,000 | 2,963,000 | 4,404,000 | 5,909,000 |
| Noninterest income | 205,000 | 396,000 | 650,000 | 774,000 |
| Noninterest expense | 1,082,000 | 2,307,000 | 3,337,000 | 4,421,000 |
| Provision for loan losses | -16,000 | 8,000 | 76,000 | 134,000 |
| Pretax income | 750,000 | 1,227,000 | 1,877,000 | 2,465,000 |
| Income tax | 176,000 | 268,000 | 404,000 | 558,000 |
| Net income | 574,000 | 959,000 | 1,473,000 | 1,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,661,000 | 38,595,000 | 39,108,000 | 39,542,000 |
| Total capital | 36,667,000 | 39,605,000 | 40,186,000 | 40,582,000 |
| Risk-weighted assets | 106,039,000 | 89,796,000 | 91,334,000 | 92,371,000 |