Call reports 2017
ROXBORO SAVINGS BANK, SSB — 2017
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 224,655,000 | 225,015,000 | 222,129,000 | 226,393,000 |
| Total loans | 110,220,000 | 109,462,000 | 110,911,000 | 113,647,000 |
| Allowance for loan losses | 1,122,000 | 1,128,000 | 1,158,000 | 1,180,000 |
| Securities available for sale | 91,150,000 | 93,685,000 | 85,647,000 | 89,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,916,000 | 161,043,000 | 163,792,000 | 168,050,000 |
| Interest-bearing deposits | 143,579,000 | 144,757,000 | 147,612,000 | 150,712,000 |
| Noninterest-bearing deposits | 17,337,000 | 16,286,000 | 16,180,000 | 17,338,000 |
| Equity capital | 41,404,000 | 42,350,000 | 42,846,000 | 43,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,857,000 | 3,693,000 | 5,549,000 | 7,400,000 |
| Interest expense | 265,000 | 565,000 | 897,000 | 1,228,000 |
| Net interest income | 1,592,000 | 3,128,000 | 4,652,000 | 6,172,000 |
| Noninterest income | 288,000 | 655,000 | 931,000 | 1,166,000 |
| Noninterest expense | 1,059,000 | 2,293,000 | 3,334,000 | 4,606,000 |
| Provision for loan losses | 33,000 | 50,000 | 93,000 | 115,000 |
| Pretax income | 913,000 | 1,593,000 | 2,389,000 | 2,882,000 |
| Income tax | 241,000 | 475,000 | 668,000 | 738,000 |
| Net income | 672,000 | 1,118,000 | 1,721,000 | 2,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,600,000 | 43,047,000 | 43,650,000 | 44,073,000 |
| Total capital | 43,744,000 | 44,193,000 | 44,835,000 | 45,275,000 |
| Risk-weighted assets | 97,237,000 | 91,944,000 | 96,901,000 | 99,347,000 |