Call reports 2015
ROXBURY BANK — 2015
What ROXBURY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 15,233,000 | 15,298,000 | 15,210,000 | 15,463,000 |
| Total loans | 8,717,000 | 8,724,000 | 8,888,000 | 9,302,000 |
| Allowance for loan losses | 263,000 | 266,000 | 249,000 | 273,000 |
| Securities available for sale | 636,000 | 845,000 | 546,000 | 520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,815,000 | 12,180,000 | 11,933,000 | 12,345,000 |
| Interest-bearing deposits | 8,897,000 | 8,530,000 | 8,642,000 | 9,113,000 |
| Noninterest-bearing deposits | 3,918,000 | 3,650,000 | 3,291,000 | 3,232,000 |
| Equity capital | 1,591,000 | 1,631,000 | 1,620,000 | 1,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 159,000 | 324,000 | 487,000 | 654,000 |
| Interest expense | 8,000 | 16,000 | 23,000 | 31,000 |
| Net interest income | 151,000 | 308,000 | 464,000 | 623,000 |
| Noninterest income | 25,000 | 42,000 | 62,000 | 79,000 |
| Noninterest expense | 128,000 | 254,000 | 373,000 | 499,000 |
| Provision for loan losses | 3,000 | 5,000 | 10,000 | 55,000 |
| Pretax income | 45,000 | 91,000 | 143,000 | 148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 45,000 | 91,000 | 143,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,584,000 | 1,630,000 | 1,617,000 | 1,623,000 |
| Total capital | 1,687,000 | 1,736,000 | 1,725,000 | 1,734,000 |
| Risk-weighted assets | 8,219,000 | 8,295,000 | 8,489,000 | 8,762,000 |