Call reports 2011
FNB OXFORD BANK — 2011
What FNB OXFORD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 249,180,000 | 239,800,000 | 241,393,000 | 235,532,000 |
| Total loans | 126,029,000 | 121,450,000 | 121,639,000 | 119,052,000 |
| Allowance for loan losses | 2,147,000 | 2,190,000 | 2,175,000 | 2,168,000 |
| Securities available for sale | 84,751,000 | 91,161,000 | 87,877,000 | 88,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,285,000 | 207,743,000 | 208,305,000 | 202,782,000 |
| Interest-bearing deposits | 168,986,000 | 160,896,000 | 159,008,000 | 153,647,000 |
| Noninterest-bearing deposits | 49,299,000 | 46,847,000 | 49,297,000 | 49,135,000 |
| Equity capital | 30,297,000 | 31,277,000 | 32,151,000 | 31,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,680,000 | 5,369,000 | 7,980,000 | 10,454,000 |
| Interest expense | 389,000 | 767,000 | 1,122,000 | 1,428,000 |
| Net interest income | 2,291,000 | 4,602,000 | 6,858,000 | 9,026,000 |
| Noninterest income | 228,000 | 361,000 | 613,000 | 813,000 |
| Noninterest expense | 1,564,000 | 3,188,000 | 4,732,000 | 6,439,000 |
| Provision for loan losses | 100,000 | 225,000 | 300,000 | 300,000 |
| Pretax income | 855,000 | 1,546,000 | 2,435,000 | 3,096,000 |
| Income tax | 170,000 | 335,000 | 510,000 | 535,000 |
| Net income | 685,000 | 1,211,000 | 1,925,000 | 2,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,524,000 | 29,766,000 | 30,197,000 | 29,550,000 |
| Total capital | 31,300,000 | 31,474,000 | 31,897,000 | 31,211,000 |
| Risk-weighted assets | 141,713,000 | 135,566,000 | 135,514,000 | 132,378,000 |