Call reports 2003
ROXBURY BANK — 2003
What ROXBURY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 14,447,000 | 13,200,000 | 12,685,000 | 12,282,000 |
| Total loans | 9,726,000 | 9,634,000 | 9,551,000 | 8,703,000 |
| Allowance for loan losses | 226,000 | 157,000 | 182,000 | 160,000 |
| Securities available for sale | 2,255,000 | 2,535,000 | 1,828,000 | 2,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,064,000 | 11,787,000 | 11,500,000 | 11,029,000 |
| Interest-bearing deposits | 11,545,000 | 10,299,000 | 9,972,000 | 9,470,000 |
| Noninterest-bearing deposits | 1,519,000 | 1,488,000 | 1,528,000 | 1,559,000 |
| Equity capital | 1,331,000 | 1,322,000 | 1,146,000 | 1,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 214,000 | 400,000 | 595,000 | 819,000 |
| Interest expense | 88,000 | 151,000 | 205,000 | 254,000 |
| Net interest income | 126,000 | 249,000 | 390,000 | 565,000 |
| Noninterest income | 45,000 | 62,000 | 76,000 | 85,000 |
| Noninterest expense | 200,000 | 343,000 | 459,000 | 607,000 |
| Provision for loan losses | 30,000 | 44,000 | 47,000 | 22,000 |
| Pretax income | -52,000 | -64,000 | -27,000 | 32,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -52,000 | -64,000 | -27,000 | 32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,312,000 | 1,301,000 | 1,152,000 | 1,211,000 |
| Total capital | 1,434,000 | 1,418,000 | 1,266,000 | 1,316,000 |
| Risk-weighted assets | 9,691,000 | 9,327,000 | 9,037,000 | 8,368,000 |