Call reports 2020
ROXBORO SAVINGS BANK, SSB — 2020
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 233,591,000 | 245,182,000 | 254,136,000 | 263,376,000 |
| Total loans | 119,384,000 | 114,825,000 | 120,106,000 | 120,469,000 |
| Allowance for loan losses | 1,341,000 | 1,416,000 | 1,496,000 | 1,513,000 |
| Securities available for sale | 90,188,000 | 103,163,000 | 105,493,000 | 115,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,456,000 | 188,501,000 | 194,580,000 | 203,115,000 |
| Interest-bearing deposits | 155,619,000 | 162,738,000 | 167,757,000 | 176,598,000 |
| Noninterest-bearing deposits | 21,837,000 | 25,763,000 | 26,823,000 | 26,517,000 |
| Equity capital | 48,852,000 | 50,145,000 | 51,504,000 | 52,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,069,000 | 4,109,000 | 6,100,000 | 8,123,000 |
| Interest expense | 439,000 | 815,000 | 1,138,000 | 1,429,000 |
| Net interest income | 1,630,000 | 3,294,000 | 4,962,000 | 6,694,000 |
| Noninterest income | 356,000 | 1,231,000 | 1,929,000 | 2,308,000 |
| Noninterest expense | 1,176,000 | 2,790,000 | 3,877,000 | 5,316,000 |
| Provision for loan losses | 43,000 | 118,000 | 198,000 | 215,000 |
| Pretax income | 948,000 | 1,903,000 | 3,233,000 | 3,901,000 |
| Income tax | 148,000 | 332,000 | 564,000 | 649,000 |
| Net income | 800,000 | 1,571,000 | 2,669,000 | 3,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,743,000 | 50,557,000 | 51,655,000 | 52,238,000 |
| Total capital | 51,090,000 | 51,900,000 | 53,049,000 | 53,663,000 |
| Risk-weighted assets | 107,130,000 | 107,392,000 | 111,428,000 | 113,885,000 |