Call reports 2006
FNB OXFORD BANK — 2006
What FNB OXFORD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 235,651,000 | 233,319,000 | 243,163,000 | 237,279,000 |
| Total loans | 121,755,000 | 126,179,000 | 131,136,000 | 134,985,000 |
| Allowance for loan losses | 1,027,000 | 1,099,000 | 1,092,000 | 1,071,000 |
| Securities available for sale | 96,199,000 | 90,834,000 | 91,384,000 | 89,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,292,000 | 203,566,000 | 216,240,000 | 205,468,000 |
| Interest-bearing deposits | 164,900,000 | 157,296,000 | 169,383,000 | 162,861,000 |
| Noninterest-bearing deposits | 46,392,000 | 46,270,000 | 46,857,000 | 42,607,000 |
| Equity capital | 23,103,000 | 23,080,000 | 24,564,000 | 24,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,257,000 | 6,703,000 | 10,250,000 | 13,971,000 |
| Interest expense | 1,132,000 | 2,366,000 | 3,729,000 | 5,258,000 |
| Net interest income | 2,125,000 | 4,337,000 | 6,521,000 | 8,713,000 |
| Noninterest income | 380,000 | 753,000 | 1,078,000 | 1,463,000 |
| Noninterest expense | 1,307,000 | 2,560,000 | 3,896,000 | 5,516,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 150,000 |
| Pretax income | 1,153,000 | 2,376,000 | 3,554,000 | 4,481,000 |
| Income tax | 307,000 | 609,000 | 876,000 | 1,072,000 |
| Net income | 846,000 | 1,767,000 | 2,678,000 | 3,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,245,000 | 23,840,000 | 24,423,000 | 24,807,000 |
| Total capital | 24,272,000 | 24,939,000 | 25,515,000 | 25,878,000 |
| Risk-weighted assets | 144,222,000 | 148,495,000 | 151,893,000 | 153,129,000 |
Machine access — free, no API key
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