Call reports 2009
ROXBURY BANK — 2009
What ROXBURY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 19,328,000 | 19,237,000 | 18,822,000 | 18,420,000 |
| Total loans | 16,429,000 | 16,523,000 | 15,483,000 | 13,762,000 |
| Allowance for loan losses | 394,000 | 569,000 | 510,000 | 533,000 |
| Securities available for sale | 1,749,000 | 1,692,000 | 2,070,000 | 2,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,986,000 | 17,053,000 | 16,776,000 | 17,202,000 |
| Interest-bearing deposits | 14,946,000 | 14,955,000 | 14,686,000 | 15,243,000 |
| Noninterest-bearing deposits | 2,040,000 | 2,098,000 | 2,090,000 | 1,959,000 |
| Equity capital | 1,744,000 | 1,603,000 | 1,657,000 | 966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 354,000 | 688,000 | 1,012,000 | 1,277,000 |
| Interest expense | 93,000 | 181,000 | 265,000 | 337,000 |
| Net interest income | 261,000 | 507,000 | 747,000 | 940,000 |
| Noninterest income | 12,000 | 27,000 | 45,000 | 63,000 |
| Noninterest expense | 186,000 | 382,000 | 555,000 | 760,000 |
| Provision for loan losses | 4,000 | 194,000 | 208,000 | 902,000 |
| Pretax income | 83,000 | -42,000 | 29,000 | -659,000 |
| Income tax | 0 | 1,000 | -18,000 | -18,000 |
| Net income | 83,000 | -43,000 | 47,000 | -641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,757,000 | 1,602,000 | 1,643,000 | 955,000 |
| Total capital | 1,950,000 | 1,801,000 | 1,831,000 | 1,130,000 |
| Risk-weighted assets | 15,265,000 | 15,392,000 | 14,768,000 | 13,613,000 |