Call reports 2013
ROXBURY BANK — 2013
What ROXBURY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 13,796,000 | 13,594,000 | 13,718,000 | 14,313,000 |
| Total loans | 7,990,000 | 8,440,000 | 7,809,000 | 7,989,000 |
| Allowance for loan losses | 381,000 | 331,000 | 317,000 | 327,000 |
| Securities available for sale | 2,137,000 | 1,728,000 | 1,583,000 | 1,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,406,000 | 11,934,000 | 12,310,000 | 12,893,000 |
| Interest-bearing deposits | 9,307,000 | 9,151,000 | 9,001,000 | 9,570,000 |
| Noninterest-bearing deposits | 3,099,000 | 2,783,000 | 3,309,000 | 3,323,000 |
| Equity capital | 1,363,000 | 1,356,000 | 1,377,000 | 1,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 137,000 | 275,000 | 404,000 | 541,000 |
| Interest expense | 9,000 | 18,000 | 25,000 | 33,000 |
| Net interest income | 128,000 | 257,000 | 379,000 | 508,000 |
| Noninterest income | 14,000 | 30,000 | 45,000 | 81,000 |
| Noninterest expense | 131,000 | 260,000 | 385,000 | 511,000 |
| Provision for loan losses | 0 | 0 | 0 | 9,000 |
| Pretax income | 11,000 | 27,000 | 39,000 | 69,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,000 | 27,000 | 39,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,333,000 | 1,349,000 | 1,361,000 | 1,391,000 |
| Total capital | 1,436,000 | 1,454,000 | 1,461,000 | 1,491,000 |
| Risk-weighted assets | 7,926,000 | 8,245,000 | 7,749,000 | 7,837,000 |