Call reports 2016
ROXBORO SAVINGS BANK, SSB — 2016
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 216,128,000 | 220,575,000 | 214,959,000 | 217,019,000 |
| Total loans | 104,009,000 | 105,617,000 | 105,105,000 | 107,761,000 |
| Allowance for loan losses | 1,085,000 | 1,067,000 | 1,098,000 | 1,144,000 |
| Securities available for sale | 90,773,000 | 95,057,000 | 85,878,000 | 87,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,073,000 | 151,575,000 | 153,026,000 | 156,394,000 |
| Interest-bearing deposits | 138,078,000 | 138,385,000 | 139,727,000 | 141,050,000 |
| Noninterest-bearing deposits | 12,995,000 | 13,190,000 | 13,299,000 | 15,344,000 |
| Equity capital | 40,729,000 | 41,494,000 | 41,938,000 | 40,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,749,000 | 3,524,000 | 5,295,000 | 7,057,000 |
| Interest expense | 275,000 | 536,000 | 823,000 | 1,084,000 |
| Net interest income | 1,474,000 | 2,988,000 | 4,472,000 | 5,973,000 |
| Noninterest income | 684,000 | 870,000 | 1,158,000 | 1,382,000 |
| Noninterest expense | 1,066,000 | 2,203,000 | 3,307,000 | 4,531,000 |
| Provision for loan losses | 54,000 | 81,000 | 137,000 | 183,000 |
| Pretax income | 1,201,000 | 1,749,000 | 2,458,000 | 2,930,000 |
| Income tax | 360,000 | 293,000 | 466,000 | 543,000 |
| Net income | 841,000 | 1,456,000 | 1,992,000 | 2,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,384,000 | 40,997,000 | 41,533,000 | 41,929,000 |
| Total capital | 41,474,000 | 42,077,000 | 42,640,000 | 43,113,000 |
| Risk-weighted assets | 92,075,000 | 92,086,000 | 92,030,000 | 93,714,000 |