Call reports 2005
ROXBURY BANK — 2005
What ROXBURY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 12,510,000 | 12,261,000 | 12,605,000 | 12,397,000 |
| Total loans | 9,111,000 | 9,506,000 | 9,791,000 | 9,664,000 |
| Allowance for loan losses | 114,000 | 118,000 | 119,000 | 128,000 |
| Securities available for sale | 1,802,000 | 1,779,000 | 1,718,000 | 1,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,211,000 | 10,671,000 | 11,075,000 | 11,029,000 |
| Interest-bearing deposits | 9,268,000 | 9,016,000 | 9,172,000 | 9,239,000 |
| Noninterest-bearing deposits | 1,943,000 | 1,655,000 | 1,903,000 | 1,790,000 |
| Equity capital | 1,263,000 | 1,351,000 | 1,289,000 | 1,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 197,000 | 411,000 | 637,000 | 850,000 |
| Interest expense | 42,000 | 90,000 | 148,000 | 212,000 |
| Net interest income | 155,000 | 321,000 | 489,000 | 638,000 |
| Noninterest income | 11,000 | 25,000 | 42,000 | 63,000 |
| Noninterest expense | 103,000 | 208,000 | 315,000 | 444,000 |
| Provision for loan losses | 9,000 | 21,000 | 30,000 | 32,000 |
| Pretax income | 54,000 | 117,000 | 186,000 | 225,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 54,000 | 117,000 | 186,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,290,000 | 1,353,000 | 1,301,000 | 1,340,000 |
| Total capital | 1,399,000 | 1,465,000 | 1,418,000 | 1,454,000 |
| Risk-weighted assets | 8,724,000 | 8,971,000 | 9,373,000 | 9,105,000 |