Call reports 2012
ROXBURY BANK — 2012
What ROXBURY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 13,028,000 | 12,645,000 | 13,152,000 | 13,392,000 |
| Total loans | 8,465,000 | 8,183,000 | 7,807,000 | 8,199,000 |
| Allowance for loan losses | 370,000 | 371,000 | 383,000 | 384,000 |
| Securities available for sale | 2,451,000 | 2,620,000 | 2,470,000 | 2,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,731,000 | 11,283,000 | 11,787,000 | 12,003,000 |
| Interest-bearing deposits | 9,256,000 | 9,191,000 | 9,222,000 | 9,153,000 |
| Noninterest-bearing deposits | 2,475,000 | 2,092,000 | 2,565,000 | 2,850,000 |
| Equity capital | 1,270,000 | 1,306,000 | 1,337,000 | 1,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 154,000 | 305,000 | 449,000 | 589,000 |
| Interest expense | 13,000 | 25,000 | 37,000 | 47,000 |
| Net interest income | 141,000 | 280,000 | 412,000 | 542,000 |
| Noninterest income | 24,000 | 44,000 | 65,000 | 95,000 |
| Noninterest expense | 122,000 | 245,000 | 370,000 | 505,000 |
| Provision for loan losses | 7,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 36,000 | 71,000 | 99,000 | 124,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 36,000 | 71,000 | 99,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,235,000 | 1,269,000 | 1,298,000 | 1,322,000 |
| Total capital | 1,343,000 | 1,374,000 | 1,398,000 | 1,426,000 |
| Risk-weighted assets | 8,402,000 | 8,155,000 | 7,767,000 | 8,009,000 |