Call reports 2017
ROXBURY BANK — 2017
What ROXBURY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 16,716,000 | 16,424,000 | 17,240,000 | 17,607,000 |
| Total loans | 10,556,000 | 10,656,000 | 11,568,000 | 12,320,000 |
| Allowance for loan losses | 0 | 6,000 | 15,000 | 20,000 |
| Securities available for sale | 338,000 | 338,000 | 335,000 | 206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,356,000 | 13,424,000 | 13,963,000 | 13,287,000 |
| Interest-bearing deposits | 10,225,000 | 10,224,000 | 10,441,000 | 10,042,000 |
| Noninterest-bearing deposits | 3,130,000 | 3,200,000 | 3,522,000 | 3,245,000 |
| Equity capital | 2,121,000 | 2,158,000 | 2,213,000 | 2,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 177,000 | 355,000 | 542,000 | 737,000 |
| Interest expense | 11,000 | 25,000 | 41,000 | 58,000 |
| Net interest income | 166,000 | 330,000 | 501,000 | 679,000 |
| Noninterest income | 11,000 | 18,000 | 27,000 | 41,000 |
| Noninterest expense | 112,000 | 218,000 | 331,000 | 448,000 |
| Provision for loan losses | 0 | 6,000 | 15,000 | 20,000 |
| Pretax income | 65,000 | 124,000 | 182,000 | 252,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 63,000 | 120,000 | 176,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,015,000 | 2,055,000 | 2,114,000 | 2,025,000 |
| Total capital | 2,015,000 | 2,061,000 | 2,129,000 | 2,045,000 |
| Risk-weighted assets | 10,092,000 | 10,194,000 | 11,168,000 | 11,739,000 |