Call reports 2001
FNB OXFORD BANK — 2001
What FNB OXFORD BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 171,403,000 | 174,503,000 | 190,474,000 | 191,225,000 |
| Total loans | 96,445,000 | 103,212,000 | 105,194,000 | 108,762,000 |
| Allowance for loan losses | 917,000 | 974,000 | 1,015,000 | 1,020,000 |
| Securities available for sale | 58,478,000 | 55,596,000 | 64,976,000 | 64,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,883,000 | 138,656,000 | 149,814,000 | 149,809,000 |
| Interest-bearing deposits | 112,655,000 | 114,472,000 | 123,570,000 | 123,035,000 |
| Noninterest-bearing deposits | 26,228,000 | 24,184,000 | 26,244,000 | 26,774,000 |
| Equity capital | 17,840,000 | 18,127,000 | 18,942,000 | 18,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,115,000 | 6,304,000 | 9,521,000 | 12,684,000 |
| Interest expense | 1,505,000 | 3,043,000 | 4,559,000 | 5,946,000 |
| Net interest income | 1,610,000 | 3,261,000 | 4,962,000 | 6,738,000 |
| Noninterest income | 243,000 | 476,000 | 747,000 | 1,103,000 |
| Noninterest expense | 946,000 | 1,939,000 | 2,909,000 | 4,046,000 |
| Provision for loan losses | 60,000 | 120,000 | 211,000 | 292,000 |
| Pretax income | 812,000 | 1,670,000 | 2,538,000 | 3,293,000 |
| Income tax | 175,000 | 351,000 | 651,000 | 836,000 |
| Net income | 637,000 | 1,319,000 | 1,887,000 | 2,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,963,000 | 17,421,000 | 17,767,000 | 17,661,000 |
| Total capital | 17,880,000 | 18,395,000 | 18,782,000 | 18,681,000 |
| Risk-weighted assets | 105,262,000 | 110,774,000 | 113,979,000 | 116,216,000 |
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