Call reports 2014
ROXBURY BANK — 2014
What ROXBURY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 15,200,000 | 14,541,000 | 14,950,000 | 15,519,000 |
| Total loans | 7,646,000 | 8,179,000 | 8,018,000 | 9,171,000 |
| Allowance for loan losses | 295,000 | 297,000 | 236,000 | 256,000 |
| Securities available for sale | 913,000 | 917,000 | 666,000 | 637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,747,000 | 12,729,000 | 13,406,000 | 12,195,000 |
| Interest-bearing deposits | 9,518,000 | 9,254,000 | 9,119,000 | 8,960,000 |
| Noninterest-bearing deposits | 4,229,000 | 3,475,000 | 4,287,000 | 3,235,000 |
| Equity capital | 1,433,000 | 1,504,000 | 1,523,000 | 1,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 140,000 | 281,000 | 433,000 | 595,000 |
| Interest expense | 7,000 | 15,000 | 22,000 | 30,000 |
| Net interest income | 133,000 | 266,000 | 411,000 | 565,000 |
| Noninterest income | 16,000 | 64,000 | 83,000 | 103,000 |
| Noninterest expense | 126,000 | 251,000 | 394,000 | 527,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 23,000 | 89,000 | 122,000 | 148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 23,000 | 89,000 | 122,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,414,000 | 1,480,000 | 1,512,000 | 1,539,000 |
| Total capital | 1,509,000 | 1,575,000 | 1,608,000 | 1,646,000 |
| Risk-weighted assets | 7,393,000 | 7,453,000 | 7,557,000 | 8,443,000 |