Call reports 2007
ROXBURY BANK — 2007
What ROXBURY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 15,296,000 | 15,386,000 | 15,560,000 | 16,127,000 |
| Total loans | 12,414,000 | 12,984,000 | 13,167,000 | 13,849,000 |
| Allowance for loan losses | 136,000 | 160,000 | 179,000 | 183,000 |
| Securities available for sale | 1,498,000 | 1,460,000 | 1,459,000 | 1,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,580,000 | 12,988,000 | 13,207,000 | 13,888,000 |
| Interest-bearing deposits | 11,435,000 | 11,333,000 | 11,109,000 | 11,501,000 |
| Noninterest-bearing deposits | 2,145,000 | 1,655,000 | 2,098,000 | 2,387,000 |
| Equity capital | 1,630,000 | 1,710,000 | 1,719,000 | 1,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 310,000 | 656,000 | 1,001,000 | 1,350,000 |
| Interest expense | 103,000 | 215,000 | 331,000 | 445,000 |
| Net interest income | 207,000 | 441,000 | 670,000 | 905,000 |
| Noninterest income | 11,000 | 27,000 | 44,000 | 65,000 |
| Noninterest expense | 114,000 | 232,000 | 350,000 | 505,000 |
| Provision for loan losses | 3,000 | 26,000 | 44,000 | 47,000 |
| Pretax income | 101,000 | 210,000 | 320,000 | 418,000 |
| Income tax | 0 | 0 | 0 | 106,000 |
| Net income | 101,000 | 210,000 | 320,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,646,000 | 1,730,000 | 1,727,000 | 1,694,000 |
| Total capital | 1,782,000 | 1,882,000 | 1,882,000 | 1,854,000 |
| Risk-weighted assets | 11,699,000 | 12,156,000 | 12,377,000 | 12,887,000 |