Call reports 2025
ROXBORO SAVINGS BANK, SSB — 2025
What ROXBORO SAVINGS BANK, SSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 334,781,000 | 337,248,000 | 347,818,000 | 349,767,000 |
| Total loans | 181,855,000 | 185,488,000 | 192,385,000 | 200,438,000 |
| Allowance for loan losses | 2,257,000 | 2,267,000 | 2,411,000 | 2,423,000 |
| Securities available for sale | 117,180,000 | 116,804,000 | 122,346,000 | 120,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,203,000 | 275,746,000 | 281,037,000 | 281,695,000 |
| Interest-bearing deposits | 226,555,000 | 230,347,000 | 233,816,000 | 238,684,000 |
| Noninterest-bearing deposits | 45,648,000 | 45,399,000 | 47,221,000 | 43,011,000 |
| Equity capital | 54,053,000 | 54,480,000 | 57,774,000 | 59,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,727,000 | 7,699,000 | 11,753,000 | 15,982,000 |
| Interest expense | 1,404,000 | 2,820,000 | 4,275,000 | 5,769,000 |
| Net interest income | 2,323,000 | 4,879,000 | 7,478,000 | 10,213,000 |
| Noninterest income | 250,000 | 555,000 | 847,000 | 1,131,000 |
| Noninterest expense | 1,577,000 | 3,604,000 | 5,418,000 | 7,159,000 |
| Provision for loan losses | 123,000 | 130,000 | 306,000 | 278,000 |
| Pretax income | 845,000 | 1,714,000 | 2,713,000 | 3,907,000 |
| Income tax | 135,000 | 390,000 | 545,000 | 739,000 |
| Net income | 710,000 | 1,324,000 | 2,168,000 | 3,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,841,000 | 64,455,000 | 65,299,000 | 66,299,000 |
| Total capital | 65,828,000 | 66,473,000 | 67,375,000 | 68,432,000 |
| Risk-weighted assets | 158,674,000 | 161,217,000 | 165,730,000 | 170,391,000 |