Call reports 2005
FNB OXFORD BANK — 2005
What FNB OXFORD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 225,311,000 | 221,455,000 | 220,617,000 | 228,113,000 |
| Total loans | 113,817,000 | 117,201,000 | 119,000,000 | 119,437,000 |
| Allowance for loan losses | 1,047,000 | 1,041,000 | 1,006,000 | 1,036,000 |
| Securities available for sale | 100,157,000 | 85,464,000 | 88,496,000 | 89,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,930,000 | 195,884,000 | 195,344,000 | 202,669,000 |
| Interest-bearing deposits | 162,013,000 | 152,680,000 | 151,997,000 | 159,724,000 |
| Noninterest-bearing deposits | 39,917,000 | 43,204,000 | 43,347,000 | 42,945,000 |
| Equity capital | 21,845,000 | 22,948,000 | 22,964,000 | 22,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,796,000 | 5,811,000 | 8,889,000 | 12,129,000 |
| Interest expense | 696,000 | 1,561,000 | 2,479,000 | 3,516,000 |
| Net interest income | 2,100,000 | 4,250,000 | 6,410,000 | 8,613,000 |
| Noninterest income | 387,000 | 734,000 | 1,122,000 | 1,519,000 |
| Noninterest expense | 1,190,000 | 2,348,000 | 3,575,000 | 5,101,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 1,342,000 | 2,654,000 | 3,945,000 | 4,959,000 |
| Income tax | 387,000 | 759,000 | 1,109,000 | 1,340,000 |
| Net income | 955,000 | 1,895,000 | 2,836,000 | 3,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,268,000 | 21,897,000 | 22,526,000 | 22,776,000 |
| Total capital | 22,315,000 | 22,938,000 | 23,532,000 | 23,812,000 |
| Risk-weighted assets | 132,499,000 | 134,826,000 | 136,795,000 | 140,772,000 |
Machine access — free, no API key
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