Call reports 2003
FNB OXFORD BANK — 2003
What FNB OXFORD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 191,997,000 | 194,303,000 | 192,854,000 | 192,724,000 |
| Total loans | 94,570,000 | 95,699,000 | 91,413,000 | 94,511,000 |
| Allowance for loan losses | 1,029,000 | 1,014,000 | 1,028,000 | 984,000 |
| Securities available for sale | 72,436,000 | 71,237,000 | 73,849,000 | 82,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,080,000 | 172,082,000 | 170,692,000 | 169,816,000 |
| Interest-bearing deposits | 141,131,000 | 141,329,000 | 137,624,000 | 134,657,000 |
| Noninterest-bearing deposits | 29,949,000 | 30,753,000 | 33,068,000 | 35,159,000 |
| Equity capital | 18,846,000 | 19,706,000 | 19,707,000 | 20,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,667,000 | 5,323,000 | 7,898,000 | 10,276,000 |
| Interest expense | 761,000 | 1,489,000 | 2,145,000 | 2,738,000 |
| Net interest income | 1,906,000 | 3,834,000 | 5,753,000 | 7,538,000 |
| Noninterest income | 367,000 | 723,000 | 1,056,000 | 1,408,000 |
| Noninterest expense | 1,086,000 | 2,173,000 | 3,317,000 | 4,641,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 210,000 |
| Pretax income | 1,127,000 | 2,264,000 | 3,312,000 | 4,095,000 |
| Income tax | 270,000 | 640,000 | 910,000 | 1,121,000 |
| Net income | 857,000 | 1,624,000 | 2,402,000 | 2,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,343,000 | 17,838,000 | 18,194,000 | 18,478,000 |
| Total capital | 18,372,000 | 18,852,000 | 19,222,000 | 19,462,000 |
| Risk-weighted assets | 112,774,000 | 114,010,000 | 111,813,000 | 113,181,000 |
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