Call reports 2022
ROXBORO SAVINGS BANK, SSB — 2022
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 288,537,000 | 289,640,000 | 289,422,000 | 292,760,000 |
| Total loans | 112,008,000 | 119,430,000 | 127,254,000 | 133,827,000 |
| Allowance for loan losses | 1,435,000 | 1,583,000 | 1,713,000 | 1,836,000 |
| Securities available for sale | 143,061,000 | 138,946,000 | 134,767,000 | 131,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,995,000 | 240,475,000 | 240,599,000 | 241,698,000 |
| Interest-bearing deposits | 201,589,000 | 208,465,000 | 206,097,000 | 208,625,000 |
| Noninterest-bearing deposits | 30,406,000 | 32,010,000 | 34,502,000 | 33,073,000 |
| Equity capital | 49,152,000 | 45,274,000 | 41,882,000 | 44,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,935,000 | 3,975,000 | 6,235,000 | 8,844,000 |
| Interest expense | 211,000 | 420,000 | 622,000 | 969,000 |
| Net interest income | 1,724,000 | 3,555,000 | 5,613,000 | 7,875,000 |
| Noninterest income | 216,000 | 454,000 | 699,000 | 955,000 |
| Noninterest expense | 1,509,000 | 3,071,000 | 4,682,000 | 6,064,000 |
| Provision for loan losses | -18,000 | 129,000 | 240,000 | 363,000 |
| Pretax income | 450,000 | 812,000 | 1,396,000 | 2,377,000 |
| Income tax | -14,000 | -30,000 | 23,000 | 166,000 |
| Net income | 464,000 | 842,000 | 1,373,000 | 2,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,515,000 | 55,893,000 | 56,424,000 | 57,262,000 |
| Total capital | 56,950,000 | 57,476,000 | 58,013,000 | 58,808,000 |
| Risk-weighted assets | 126,448,000 | 126,685,000 | 132,012,000 | 135,029,000 |