Call reports 2006
ROXBURY BANK — 2006
What ROXBURY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 13,196,000 | 13,502,000 | 13,899,000 | 14,501,000 |
| Total loans | 10,308,000 | 10,780,000 | 11,533,000 | 12,008,000 |
| Allowance for loan losses | 136,000 | 134,000 | 155,000 | 147,000 |
| Securities available for sale | 1,543,000 | 1,507,000 | 1,495,000 | 1,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,741,000 | 11,952,000 | 11,791,000 | 11,941,000 |
| Interest-bearing deposits | 9,629,000 | 10,081,000 | 9,932,000 | 10,277,000 |
| Noninterest-bearing deposits | 2,113,000 | 1,871,000 | 1,859,000 | 1,664,000 |
| Equity capital | 1,393,000 | 1,467,000 | 1,482,000 | 1,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 274,000 | 554,000 | 851,000 | 1,156,000 |
| Interest expense | 69,000 | 149,000 | 238,000 | 336,000 |
| Net interest income | 205,000 | 405,000 | 613,000 | 820,000 |
| Noninterest income | 11,000 | 25,000 | 40,000 | 52,000 |
| Noninterest expense | 139,000 | 256,000 | 362,000 | 505,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | -7,000 |
| Pretax income | 74,000 | 171,000 | 288,000 | 374,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 74,000 | 171,000 | 288,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,414,000 | 1,511,000 | 1,508,000 | 1,595,000 |
| Total capital | 1,535,000 | 1,635,000 | 1,641,000 | 1,735,000 |
| Risk-weighted assets | 9,640,000 | 9,896,000 | 10,604,000 | 11,205,000 |