Roxboro Savings Bank, SSB in Roxboro, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Roxboro Savings Bank, SSB in Roxboro, North Carolina (NC)
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Roxboro Savings Bank, SSB - Overview

  • General
  • FDIC Certificate #: 28471
    Status: Active
    Federal Reserve ID: 472979
    Date Established: January 01, 1923
    Trust Powers Granted: Yes
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 1655
    FDIC's unique #: 41305
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: August 13, 1953
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 313 South Main Street, Roxboro, NC 27573
    County: Person
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Raleigh
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Raleigh-Durham-Cary, NC (#450)
    Core Based Statistical Area (CBSA): Durham-Chapel Hill, NC (#20500)
    CBSA Metro Statistical Area: Durham-Chapel Hill, NC (#20500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $198.0 mil
    Equity capital: $32.1 mil
    Deposits held in domestic offices: $140.9 mil
    Return on assets (ROA): 1.00% ($2.0 mil)
    Quarterly return on assets: 0.77% ($1.5 mil)
    Return on Equity (ROE): 6.26% ($2.0 mil)
    Quarterly return on equity: 4.82% ($1.5 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.33% ($2,633.8 mil)
    Quarterly Pretax return on assets: 1.44% ($2,851.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $198,028Total assets
  • $12,626Cash and due from depository institutions
  • $9,448Interest-bearing balances
  • $76,095Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $95,118Net loans & leases
  • $896Loan loss allowance
  • $0Trading account assets
  • $1,404Bank premises and fixed assets
  • $597Other real estate owned
  • $13Goodwill and other intangibles
  • $198,028Life insurance assets
  • $12,175All other assets
  • $165,937Total liabilities and capital
  • $140,852Total liabilities
  • $133,812Total deposits
  • $140,852Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,000Trading liabilities
  • $0Other borrowed funds
  • $3,085Subordinated debt
  • $32,091All other liabilities
  • $32,091Total equity capital
  • $32,091Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $32,091Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $705Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,306Income earned, not collected on loans
  • $0Earning assets
  • $1,097Long-term assets (5+ years)
  • $180,661Average Assets, year-to-date
  • $92,832Average Assets, quarterly
  • $190,761Volatile liabilities
  • $199,992Insider loans
  • $97,071FHLB advances
  • $199,127Loans and leases held for sale
  • $7,426Unused loan commitments
  • $7,426Tier 1 (core) risk-based capital
  • $31,111Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,070Restructured Loans and leases
  • $583Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,680Total interest income
  • $2,013Total interest expense
  • $5,667Net interest income
  • $56Provision for loan and lease losses
  • $924Total noninterest income
  • $0Fiduciary activities
  • $169Service charges on deposit accounts
  • $0Trading account gains & fees
  • $755Additional noninterest income
  • $4,048Total noninterest expense
  • $2,148Salaries and employee benefits
  • $411Premises and equipment expense
  • $1,489Additional noninterest expense
  • $2,487Pre-tax net operating income
  • $59Securities gains (losses)
  • $629Applicable income taxes
  • $1,917Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,917Net income attributable to bank
  • $0Net charge-offs
  • $1,917Cash dividends
  • -$13Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 6.26%Return on equity (ROE)
  • 6.26%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -430.77%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,417Assets per employee
  • 6.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 38.86%Noncurrent assets plus other real estate owned to assets
  • 1.47%Noncurrent loans to loans
  • 2.40%Net loans and leases to deposits
  • 67.53%Net loans and leases to core deposits
  • 71.46%Equity capital to assets
  • 16.21%Core capital (leverage) ratio
  • 15.62%Tier 1 risk-based capital ratio
  • 32.05%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $190,761Average earning assets
  • $30,613Average equity
  • $174,312Average loans

List of branches

  • 2 North Carolina Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041305Roxboro Savings Bank, Ssb313 South Main Street, Roxboro, NC 27573January 01, 1923Full Service Brick and Mortar
    1267786Roxboro Branch5420 Durham Road, Roxboro, NC 27573January 25, 1999Full Service Brick and Mortar

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