Call reports 2018
ROXBORO SAVINGS BANK, SSB — 2018
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 222,599,000 | 221,905,000 | 220,994,000 | 223,533,000 |
| Total loans | 111,644,000 | 114,073,000 | 113,656,000 | 113,035,000 |
| Allowance for loan losses | 1,211,000 | 1,145,000 | 1,147,000 | 1,077,000 |
| Securities available for sale | 86,621,000 | 86,259,000 | 86,469,000 | 89,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,150,000 | 167,944,000 | 167,401,000 | 169,016,000 |
| Interest-bearing deposits | 148,266,000 | 149,620,000 | 148,615,000 | 150,352,000 |
| Noninterest-bearing deposits | 17,884,000 | 18,324,000 | 18,786,000 | 18,664,000 |
| Equity capital | 42,769,000 | 42,122,000 | 42,294,000 | 43,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,943,000 | 5,978,000 | 7,948,000 |
| Interest expense | 326,000 | 674,000 | 1,042,000 | 1,440,000 |
| Net interest income | 1,600,000 | 3,269,000 | 4,936,000 | 6,508,000 |
| Noninterest income | 206,000 | 419,000 | 662,000 | 930,000 |
| Noninterest expense | 1,086,000 | 2,353,000 | 3,489,000 | 4,720,000 |
| Provision for loan losses | 35,000 | -31,000 | -29,000 | -97,000 |
| Pretax income | 728,000 | 1,451,000 | 2,228,000 | 2,905,000 |
| Income tax | 141,000 | 875,000 | 960,000 | 1,048,000 |
| Net income | 587,000 | 576,000 | 1,268,000 | 1,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,660,000 | 45,182,000 | 45,874,000 | 46,463,000 |
| Total capital | 45,876,000 | 46,336,000 | 47,027,000 | 47,541,000 |
| Risk-weighted assets | 99,185,000 | 101,545,000 | 101,060,000 | 100,426,000 |