Call reports 2008
ROXBURY BANK — 2008
What ROXBURY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 17,210,000 | 18,488,000 | 18,783,000 | 19,179,000 |
| Total loans | 14,723,000 | 15,380,000 | 16,012,000 | 16,302,000 |
| Allowance for loan losses | 201,000 | 196,000 | 200,000 | 394,000 |
| Securities available for sale | 1,617,000 | 1,951,000 | 1,778,000 | 1,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,615,000 | 15,128,000 | 15,614,000 | 16,165,000 |
| Interest-bearing deposits | 12,336,000 | 12,318,000 | 13,457,000 | 13,927,000 |
| Noninterest-bearing deposits | 2,279,000 | 2,810,000 | 2,157,000 | 2,238,000 |
| Equity capital | 1,674,000 | 1,808,000 | 1,837,000 | 1,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 363,000 | 737,000 | 1,119,000 | 1,503,000 |
| Interest expense | 110,000 | 216,000 | 320,000 | 421,000 |
| Net interest income | 253,000 | 521,000 | 799,000 | 1,082,000 |
| Noninterest income | 20,000 | 41,000 | 59,000 | 78,000 |
| Noninterest expense | 132,000 | 267,000 | 417,000 | 614,000 |
| Provision for loan losses | 3,000 | 16,000 | 19,000 | 242,000 |
| Pretax income | 138,000 | 279,000 | 422,000 | 304,000 |
| Income tax | 0 | 0 | 4,000 | 16,000 |
| Net income | 138,000 | 279,000 | 418,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,687,000 | 1,828,000 | 1,866,000 | 1,675,000 |
| Total capital | 1,858,000 | 2,008,000 | 2,048,000 | 1,866,000 |
| Risk-weighted assets | 13,680,000 | 14,395,000 | 14,658,000 | 15,079,000 |