Call reports 2004
FNB OXFORD BANK — 2004
What FNB OXFORD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 199,076,000 | 199,688,000 | 204,239,000 | 201,676,000 |
| Total loans | 98,973,000 | 103,504,000 | 111,237,000 | 113,729,000 |
| Allowance for loan losses | 1,008,000 | 1,035,000 | 1,021,000 | 1,033,000 |
| Securities available for sale | 84,363,000 | 79,183,000 | 76,079,000 | 74,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,092,000 | 177,533,000 | 179,989,000 | 176,232,000 |
| Interest-bearing deposits | 141,432,000 | 141,474,000 | 140,693,000 | 136,702,000 |
| Noninterest-bearing deposits | 34,660,000 | 36,059,000 | 39,296,000 | 39,530,000 |
| Equity capital | 20,963,000 | 20,338,000 | 21,608,000 | 21,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,399,000 | 4,897,000 | 7,520,000 | 10,351,000 |
| Interest expense | 600,000 | 1,213,000 | 1,779,000 | 2,339,000 |
| Net interest income | 1,799,000 | 3,684,000 | 5,741,000 | 8,012,000 |
| Noninterest income | 367,000 | 721,000 | 1,081,000 | 1,449,000 |
| Noninterest expense | 1,153,000 | 2,243,000 | 3,369,000 | 4,798,000 |
| Provision for loan losses | 30,000 | 90,000 | 105,000 | 120,000 |
| Pretax income | 1,121,000 | 2,186,000 | 3,462,000 | 4,661,000 |
| Income tax | 315,000 | 608,000 | 986,000 | 1,341,000 |
| Net income | 806,000 | 1,578,000 | 2,476,000 | 3,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,997,000 | 19,482,000 | 20,093,000 | 20,625,000 |
| Total capital | 20,005,000 | 20,517,000 | 21,114,000 | 21,658,000 |
| Risk-weighted assets | 116,229,000 | 119,584,000 | 125,904,000 | 128,670,000 |
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