Call reports 2002
ROXBURY BANK — 2002
What ROXBURY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 18,315,000 | 19,672,000 | 19,129,000 | 19,344,000 |
| Total loans | 13,011,000 | 13,494,000 | 13,720,000 | 9,740,000 |
| Allowance for loan losses | 222,000 | 243,000 | 222,000 | 201,000 |
| Securities available for sale | 3,020,000 | 3,071,000 | 2,948,000 | 2,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,670,000 | 18,029,000 | 17,751,000 | 17,866,000 |
| Interest-bearing deposits | 14,973,000 | 16,482,000 | 16,209,000 | 16,435,000 |
| Noninterest-bearing deposits | 1,697,000 | 1,547,000 | 1,542,000 | 1,431,000 |
| Equity capital | 1,460,000 | 1,467,000 | 1,276,000 | 1,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 295,000 | 600,000 | 908,000 | 1,196,000 |
| Interest expense | 142,000 | 275,000 | 411,000 | 534,000 |
| Net interest income | 153,000 | 325,000 | 497,000 | 662,000 |
| Noninterest income | 19,000 | 36,000 | 50,000 | 70,000 |
| Noninterest expense | 276,000 | 460,000 | 859,000 | 1,051,000 |
| Provision for loan losses | 225,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | -325,000 | -320,000 | -525,000 | -525,000 |
| Income tax | 0 | 0 | 0 | -119,000 |
| Net income | -325,000 | -320,000 | -525,000 | -406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,445,000 | 1,451,000 | 1,246,000 | 1,365,000 |
| Total capital | 1,608,000 | 1,616,000 | 1,413,000 | 1,503,000 |
| Risk-weighted assets | 12,880,000 | 13,108,000 | 13,302,000 | 10,964,000 |