Call reports 2009
FNB OXFORD BANK — 2009
What FNB OXFORD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 269,624,000 | 268,570,000 | 272,598,000 | 257,488,000 |
| Total loans | 153,579,000 | 150,396,000 | 142,857,000 | 138,850,000 |
| Allowance for loan losses | 1,787,000 | 1,716,000 | 1,978,000 | 2,039,000 |
| Securities available for sale | 79,145,000 | 76,140,000 | 82,186,000 | 79,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,828,000 | 230,422,000 | 233,121,000 | 217,996,000 |
| Interest-bearing deposits | 189,478,000 | 189,460,000 | 187,917,000 | 173,103,000 |
| Noninterest-bearing deposits | 43,350,000 | 40,962,000 | 45,204,000 | 44,894,000 |
| Equity capital | 25,782,000 | 26,790,000 | 28,507,000 | 28,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,726,000 | 7,319,000 | 10,592,000 | 13,804,000 |
| Interest expense | 1,093,000 | 2,021,000 | 2,935,000 | 3,759,000 |
| Net interest income | 2,633,000 | 5,298,000 | 7,657,000 | 10,045,000 |
| Noninterest income | 339,000 | 608,000 | 983,000 | 1,291,000 |
| Noninterest expense | 1,602,000 | 3,303,000 | 4,874,000 | 6,680,000 |
| Provision for loan losses | 275,000 | 525,000 | 1,650,000 | 1,900,000 |
| Pretax income | 1,091,000 | 2,074,000 | 2,113,000 | 2,547,000 |
| Income tax | 285,000 | 575,000 | 410,000 | 272,000 |
| Net income | 806,000 | 1,499,000 | 1,703,000 | 2,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,836,000 | 28,212,000 | 28,101,000 | 28,358,000 |
| Total capital | 29,623,000 | 29,928,000 | 30,066,000 | 30,312,000 |
| Risk-weighted assets | 164,780,000 | 162,190,000 | 156,427,000 | 155,462,000 |