Call reports 2016
ROXBURY BANK — 2016
What ROXBURY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 15,809,000 | 15,617,000 | 15,654,000 | 15,680,000 |
| Total loans | 9,196,000 | 9,420,000 | 9,611,000 | 10,087,000 |
| Allowance for loan losses | 274,000 | 275,000 | 275,000 | 275,000 |
| Securities available for sale | 522,000 | 518,000 | 369,000 | 333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,938,000 | 13,209,000 | 12,593,000 | 12,598,000 |
| Interest-bearing deposits | 9,388,000 | 9,397,000 | 9,563,000 | 9,110,000 |
| Noninterest-bearing deposits | 3,550,000 | 3,812,000 | 3,030,000 | 3,487,000 |
| Equity capital | 1,654,000 | 1,684,000 | 1,712,000 | 1,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 169,000 | 335,000 | 500,000 | 676,000 |
| Interest expense | 7,000 | 16,000 | 23,000 | 32,000 |
| Net interest income | 162,000 | 319,000 | 477,000 | 644,000 |
| Noninterest income | 13,000 | 30,000 | 46,000 | 64,000 |
| Noninterest expense | 125,000 | 260,000 | 408,000 | 549,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 50,000 | 89,000 | 115,000 | 159,000 |
| Income tax | 0 | 5,000 | 6,000 | 8,000 |
| Net income | 50,000 | 84,000 | 109,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,648,000 | 1,681,000 | 1,707,000 | 1,671,000 |
| Total capital | 1,759,000 | 1,794,000 | 1,820,000 | 1,787,000 |
| Risk-weighted assets | 8,719,000 | 8,912,000 | 8,868,000 | 9,187,000 |