Call reports 2002
FNB OXFORD BANK — 2002
What FNB OXFORD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 180,671,000 | 177,016,000 | 183,002,000 | 178,820,000 |
| Total loans | 92,100,000 | 91,966,000 | 91,071,000 | 93,564,000 |
| Allowance for loan losses | 960,000 | 1,007,000 | 986,000 | 955,000 |
| Securities available for sale | 62,479,000 | 67,825,000 | 66,970,000 | 71,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,697,000 | 156,860,000 | 161,675,000 | 156,572,000 |
| Interest-bearing deposits | 130,239,000 | 129,387,000 | 133,348,000 | 129,179,000 |
| Noninterest-bearing deposits | 27,458,000 | 27,473,000 | 28,327,000 | 27,393,000 |
| Equity capital | 16,087,000 | 17,380,000 | 18,465,000 | 18,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,751,000 | 5,514,000 | 8,267,000 | 10,998,000 |
| Interest expense | 956,000 | 1,863,000 | 2,721,000 | 3,507,000 |
| Net interest income | 1,795,000 | 3,651,000 | 5,546,000 | 7,491,000 |
| Noninterest income | 343,000 | 676,000 | 1,006,000 | 1,360,000 |
| Noninterest expense | 1,074,000 | 2,150,000 | 3,208,000 | 4,535,000 |
| Provision for loan losses | 33,000 | 96,000 | 149,000 | 204,000 |
| Pretax income | 1,086,000 | 2,136,000 | 3,250,000 | 4,167,000 |
| Income tax | 255,000 | 545,000 | 800,000 | 1,125,000 |
| Net income | 831,000 | 1,591,000 | 2,450,000 | 3,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,360,000 | 15,889,000 | 16,520,000 | 16,840,000 |
| Total capital | 16,320,000 | 16,896,000 | 17,506,000 | 17,795,000 |
| Risk-weighted assets | 108,239,000 | 108,420,000 | 109,456,000 | 109,912,000 |
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