Call reports 2010
ROXBURY BANK — 2010
What ROXBURY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 19,033,000 | 18,748,000 | 16,595,000 | 15,420,000 |
| Total loans | 13,435,000 | 12,248,000 | 11,036,000 | 10,276,000 |
| Allowance for loan losses | 511,000 | 541,000 | 413,000 | 438,000 |
| Securities available for sale | 2,368,000 | 3,521,000 | 2,984,000 | 2,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,425,000 | 17,295,000 | 14,959,000 | 14,275,000 |
| Interest-bearing deposits | 15,376,000 | 15,254,000 | 12,810,000 | 12,171,000 |
| Noninterest-bearing deposits | 2,049,000 | 2,041,000 | 2,149,000 | 2,104,000 |
| Equity capital | 1,556,000 | 1,408,000 | 1,591,000 | 1,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 250,000 | 404,000 | 617,000 | 805,000 |
| Interest expense | 64,000 | 122,000 | 172,000 | 210,000 |
| Net interest income | 186,000 | 282,000 | 445,000 | 595,000 |
| Noninterest income | 17,000 | 43,000 | 26,000 | 23,000 |
| Noninterest expense | 188,000 | 372,000 | 556,000 | 1,109,000 |
| Provision for loan losses | 10,000 | 100,000 | 110,000 | 345,000 |
| Pretax income | 5,000 | -147,000 | -195,000 | -836,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | -147,000 | -195,000 | -836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,559,000 | 1,408,000 | 1,560,000 | 1,119,000 |
| Total capital | 1,734,000 | 1,576,000 | 1,713,000 | 1,260,000 |
| Risk-weighted assets | 13,646,000 | 13,073,000 | 11,951,000 | 10,990,000 |