Call reports 2021
ROXBORO SAVINGS BANK, SSB — 2021
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 276,179,000 | 285,483,000 | 289,752,000 | 288,059,000 |
| Total loans | 115,998,000 | 113,160,000 | 112,498,000 | 110,223,000 |
| Allowance for loan losses | 1,480,000 | 1,462,000 | 1,511,000 | 1,453,000 |
| Securities available for sale | 127,856,000 | 135,426,000 | 141,404,000 | 144,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,495,000 | 223,861,000 | 228,253,000 | 226,469,000 |
| Interest-bearing deposits | 188,299,000 | 193,943,000 | 196,703,000 | 196,082,000 |
| Noninterest-bearing deposits | 27,196,000 | 29,918,000 | 31,550,000 | 30,387,000 |
| Equity capital | 52,680,000 | 53,988,000 | 54,452,000 | 54,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,808,000 | 3,708,000 | 5,568,000 | 7,455,000 |
| Interest expense | 277,000 | 529,000 | 763,000 | 985,000 |
| Net interest income | 1,531,000 | 3,179,000 | 4,805,000 | 6,470,000 |
| Noninterest income | 630,000 | 1,131,000 | 1,586,000 | 1,893,000 |
| Noninterest expense | 1,212,000 | 2,575,000 | 3,842,000 | 5,299,000 |
| Provision for loan losses | -33,000 | -51,000 | -2,000 | -40,000 |
| Pretax income | 1,144,000 | 2,007,000 | 2,791,000 | 3,345,000 |
| Income tax | 202,000 | 339,000 | 488,000 | 532,000 |
| Net income | 942,000 | 1,668,000 | 2,303,000 | 2,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,179,000 | 53,907,000 | 54,541,000 | 55,051,000 |
| Total capital | 54,659,000 | 55,369,000 | 56,052,000 | 56,503,000 |
| Risk-weighted assets | 119,396,000 | 119,720,000 | 120,918,000 | 123,165,000 |