Call reports 2010
FNB OXFORD BANK — 2010
What FNB OXFORD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 260,661,000 | 261,743,000 | 259,205,000 | 253,732,000 |
| Total loans | 136,563,000 | 135,381,000 | 131,763,000 | 127,041,000 |
| Allowance for loan losses | 2,175,000 | 2,205,000 | 2,016,000 | 2,050,000 |
| Securities available for sale | 74,610,000 | 87,940,000 | 85,836,000 | 81,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,977,000 | 225,670,000 | 227,812,000 | 223,039,000 |
| Interest-bearing deposits | 180,203,000 | 181,264,000 | 180,203,000 | 176,246,000 |
| Noninterest-bearing deposits | 44,773,000 | 44,406,000 | 47,609,000 | 46,793,000 |
| Equity capital | 29,202,000 | 29,535,000 | 30,552,000 | 29,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,001,000 | 5,949,000 | 8,869,000 | 11,652,000 |
| Interest expense | 774,000 | 1,508,000 | 2,234,000 | 2,668,000 |
| Net interest income | 2,227,000 | 4,441,000 | 6,635,000 | 8,984,000 |
| Noninterest income | 254,000 | 478,000 | 695,000 | 901,000 |
| Noninterest expense | 1,611,000 | 3,264,000 | 4,891,000 | 6,639,000 |
| Provision for loan losses | 300,000 | 575,000 | 775,000 | 975,000 |
| Pretax income | 458,000 | 968,000 | 1,380,000 | 1,987,000 |
| Income tax | 30,000 | 55,000 | 105,000 | 85,000 |
| Net income | 428,000 | 913,000 | 1,275,000 | 1,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,502,000 | 28,702,000 | 28,781,000 | 29,124,000 |
| Total capital | 30,337,000 | 30,581,000 | 30,585,000 | 30,890,000 |
| Risk-weighted assets | 146,425,000 | 149,993,000 | 144,126,000 | 140,963,000 |