Call reports 2004
ROXBURY BANK — 2004
What ROXBURY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 12,382,000 | 12,207,000 | 11,786,000 | 11,676,000 |
| Total loans | 9,007,000 | 8,730,000 | 9,091,000 | 9,140,000 |
| Allowance for loan losses | 161,000 | 154,000 | 159,000 | 106,000 |
| Securities available for sale | 2,186,000 | 1,986,000 | 1,695,000 | 1,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,094,000 | 10,916,000 | 10,533,000 | 10,212,000 |
| Interest-bearing deposits | 9,405,000 | 9,259,000 | 8,897,000 | 8,478,000 |
| Noninterest-bearing deposits | 1,688,000 | 1,657,000 | 1,636,000 | 1,734,000 |
| Equity capital | 1,255,000 | 1,259,000 | 1,216,000 | 1,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 184,000 | 369,000 | 548,000 | 745,000 |
| Interest expense | 44,000 | 86,000 | 126,000 | 165,000 |
| Net interest income | 140,000 | 283,000 | 422,000 | 580,000 |
| Noninterest income | 10,000 | 25,000 | 38,000 | 51,000 |
| Noninterest expense | 122,000 | 223,000 | 324,000 | 449,000 |
| Provision for loan losses | 3,000 | 9,000 | 13,000 | 35,000 |
| Pretax income | 25,000 | 76,000 | 123,000 | 147,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 25,000 | 76,000 | 123,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,235,000 | 1,286,000 | 1,211,000 | 1,236,000 |
| Total capital | 1,341,000 | 1,392,000 | 1,318,000 | 1,342,000 |
| Risk-weighted assets | 8,427,000 | 8,431,000 | 8,498,000 | 8,462,000 |