Call reports 2019
ROXBORO SAVINGS BANK, SSB — 2019
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 229,581,000 | 224,080,000 | 224,586,000 | 225,877,000 |
| Total loans | 114,717,000 | 115,131,000 | 119,600,000 | 121,021,000 |
| Allowance for loan losses | 1,132,000 | 1,161,000 | 1,239,000 | 1,299,000 |
| Securities available for sale | 89,047,000 | 86,111,000 | 81,505,000 | 85,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,067,000 | 170,258,000 | 168,731,000 | 170,936,000 |
| Interest-bearing deposits | 153,726,000 | 148,377,000 | 148,296,000 | 151,645,000 |
| Noninterest-bearing deposits | 20,341,000 | 21,881,000 | 20,435,000 | 19,291,000 |
| Equity capital | 45,234,000 | 46,114,000 | 47,336,000 | 47,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,098,000 | 4,269,000 | 6,422,000 | 8,574,000 |
| Interest expense | 403,000 | 834,000 | 1,264,000 | 1,713,000 |
| Net interest income | 1,695,000 | 3,435,000 | 5,158,000 | 6,861,000 |
| Noninterest income | 232,000 | 493,000 | 767,000 | 1,039,000 |
| Noninterest expense | 1,136,000 | 2,417,000 | 3,588,000 | 4,911,000 |
| Provision for loan losses | 55,000 | 84,000 | 162,000 | 221,000 |
| Pretax income | 690,000 | 1,551,000 | 2,368,000 | 2,971,000 |
| Income tax | 46,000 | 285,000 | 411,000 | 491,000 |
| Net income | 644,000 | 1,266,000 | 1,957,000 | 2,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,106,000 | 47,729,000 | 48,420,000 | 48,943,000 |
| Total capital | 48,263,000 | 48,913,000 | 49,696,000 | 50,271,000 |
| Risk-weighted assets | 105,661,000 | 102,346,000 | 104,472,000 | 106,394,000 |