Call reports 2011
ROXBURY BANK — 2011
What ROXBURY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 14,762,000 | 14,111,000 | 13,411,000 | 13,005,000 |
| Total loans | 9,503,000 | 8,760,000 | 8,567,000 | 8,458,000 |
| Allowance for loan losses | 492,000 | 318,000 | 349,000 | 362,000 |
| Securities available for sale | 3,053,000 | 2,619,000 | 2,494,000 | 2,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,674,000 | 12,801,000 | 12,161,000 | 11,748,000 |
| Interest-bearing deposits | 11,376,000 | 10,576,000 | 10,046,000 | 9,346,000 |
| Noninterest-bearing deposits | 2,298,000 | 2,226,000 | 2,116,000 | 2,402,000 |
| Equity capital | 1,063,000 | 1,284,000 | 1,224,000 | 1,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 180,000 | 334,000 | 497,000 | 655,000 |
| Interest expense | 28,000 | 52,000 | 71,000 | 93,000 |
| Net interest income | 152,000 | 282,000 | 426,000 | 562,000 |
| Noninterest income | 28,000 | 46,000 | 70,000 | 99,000 |
| Noninterest expense | 191,000 | 420,000 | 613,000 | 764,000 |
| Provision for loan losses | 52,000 | 64,000 | 108,000 | 108,000 |
| Pretax income | -63,000 | -156,000 | -225,000 | -211,000 |
| Income tax | 0 | 0 | 4,000 | 4,000 |
| Net income | -63,000 | -156,000 | -229,000 | -215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,056,000 | 1,258,000 | 1,185,000 | 1,199,000 |
| Total capital | 1,186,000 | 1,378,000 | 1,298,000 | 1,307,000 |
| Risk-weighted assets | 10,029,000 | 9,388,000 | 8,795,000 | 8,371,000 |