Call reports 2024
ROXBORO SAVINGS BANK, SSB — 2024
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 323,592,000 | 328,069,000 | 325,166,000 | 327,638,000 |
| Total loans | 164,905,000 | 167,285,000 | 169,347,000 | 175,847,000 |
| Allowance for loan losses | 2,113,000 | 2,161,000 | 2,209,000 | 2,145,000 |
| Securities available for sale | 124,397,000 | 122,316,000 | 122,964,000 | 118,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,558,000 | 266,174,000 | 260,588,000 | 263,859,000 |
| Interest-bearing deposits | 220,022,000 | 223,370,000 | 218,375,000 | 222,883,000 |
| Noninterest-bearing deposits | 41,536,000 | 42,804,000 | 42,213,000 | 40,976,000 |
| Equity capital | 49,521,000 | 51,073,000 | 54,572,000 | 52,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,522,000 | 7,273,000 | 11,058,000 | 14,885,000 |
| Interest expense | 1,297,000 | 2,733,000 | 4,223,000 | 5,678,000 |
| Net interest income | 2,225,000 | 4,540,000 | 6,835,000 | 9,207,000 |
| Noninterest income | 245,000 | 536,000 | 810,000 | 1,096,000 |
| Noninterest expense | 1,632,000 | 2,995,000 | 4,707,000 | 6,393,000 |
| Provision for loan losses | 70,000 | 131,000 | 194,000 | 119,000 |
| Pretax income | 747,000 | 1,929,000 | 2,704,000 | 3,818,000 |
| Income tax | 116,000 | 393,000 | 507,000 | 694,000 |
| Net income | 631,000 | 1,536,000 | 2,197,000 | 3,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,638,000 | 61,542,000 | 62,203,000 | 63,131,000 |
| Total capital | 62,465,000 | 63,405,000 | 64,056,000 | 65,077,000 |
| Risk-weighted assets | 145,905,000 | 148,777,000 | 147,885,000 | 155,515,000 |