Call reports 2023
ROXBORO SAVINGS BANK, SSB — 2023
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 299,055,000 | 299,365,000 | 311,521,000 | 318,597,000 |
| Total loans | 138,862,000 | 146,163,000 | 152,639,000 | 159,699,000 |
| Allowance for loan losses | 1,940,000 | 2,045,000 | 2,103,000 | 2,028,000 |
| Securities available for sale | 130,022,000 | 122,649,000 | 121,359,000 | 128,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,727,000 | 248,428,000 | 257,864,000 | 257,591,000 |
| Interest-bearing deposits | 209,762,000 | 214,988,000 | 215,072,000 | 215,660,000 |
| Noninterest-bearing deposits | 34,965,000 | 33,440,000 | 42,792,000 | 41,931,000 |
| Equity capital | 47,326,000 | 46,917,000 | 44,602,000 | 50,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,695,000 | 5,694,000 | 8,840,000 | 12,253,000 |
| Interest expense | 565,000 | 1,405,000 | 2,383,000 | 3,572,000 |
| Net interest income | 2,130,000 | 4,289,000 | 6,457,000 | 8,681,000 |
| Noninterest income | 257,000 | 595,000 | 855,000 | 1,108,000 |
| Noninterest expense | 1,600,000 | 2,889,000 | 4,536,000 | 6,104,000 |
| Provision for loan losses | 103,000 | 209,000 | 267,000 | 395,000 |
| Pretax income | 631,000 | 1,718,000 | 2,439,000 | 3,209,000 |
| Income tax | 71,000 | 263,000 | 358,000 | 465,000 |
| Net income | 560,000 | 1,455,000 | 2,081,000 | 2,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,823,000 | 58,719,000 | 59,345,000 | 60,006,000 |
| Total capital | 59,283,000 | 60,431,000 | 61,110,000 | 61,821,000 |
| Risk-weighted assets | 135,748,000 | 136,640,000 | 140,851,000 | 145,012,000 |