Call reports 2008
FNB OXFORD BANK — 2008
What FNB OXFORD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 267,408,000 | 257,178,000 | 254,261,000 | 268,437,000 |
| Total loans | 152,895,000 | 157,625,000 | 158,075,000 | 158,522,000 |
| Allowance for loan losses | 1,336,000 | 1,544,000 | 1,739,000 | 1,761,000 |
| Securities available for sale | 93,929,000 | 85,054,000 | 79,299,000 | 83,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,428,000 | 220,600,000 | 216,255,000 | 230,029,000 |
| Interest-bearing deposits | 185,659,000 | 175,822,000 | 173,570,000 | 188,084,000 |
| Noninterest-bearing deposits | 46,769,000 | 44,778,000 | 42,685,000 | 41,946,000 |
| Equity capital | 28,139,000 | 26,811,000 | 26,175,000 | 26,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,024,000 | 7,864,000 | 11,663,000 | 15,352,000 |
| Interest expense | 1,653,000 | 3,165,000 | 4,494,000 | 5,843,000 |
| Net interest income | 2,371,000 | 4,699,000 | 7,169,000 | 9,509,000 |
| Noninterest income | 388,000 | 745,000 | 1,134,000 | 1,467,000 |
| Noninterest expense | 1,461,000 | 2,951,000 | 4,432,000 | 6,157,000 |
| Provision for loan losses | 75,000 | 706,000 | 906,000 | 1,106,000 |
| Pretax income | 1,223,000 | 1,821,000 | 2,999,000 | 3,727,000 |
| Income tax | 310,000 | 455,000 | 760,000 | 760,000 |
| Net income | 913,000 | 1,366,000 | 2,239,000 | 2,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,315,000 | 27,179,000 | 27,460,000 | 27,145,000 |
| Total capital | 28,651,000 | 28,723,000 | 29,199,000 | 28,906,000 |
| Risk-weighted assets | 167,569,000 | 169,967,000 | 168,322,000 | 174,430,000 |
Machine access — free, no API key
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