Call reports 2012
FNB OXFORD BANK — 2012
What FNB OXFORD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 243,775,000 | 236,726,000 | 235,724,000 | 243,323,000 |
| Total loans | 116,990,000 | 119,508,000 | 122,183,000 | 122,612,000 |
| Allowance for loan losses | 2,179,000 | 2,162,000 | 2,149,000 | 2,106,000 |
| Securities available for sale | 88,349,000 | 91,524,000 | 85,784,000 | 81,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,304,000 | 204,218,000 | 202,942,000 | 210,223,000 |
| Interest-bearing deposits | 160,960,000 | 151,062,000 | 147,685,000 | 149,694,000 |
| Noninterest-bearing deposits | 51,344,000 | 53,156,000 | 55,258,000 | 60,529,000 |
| Equity capital | 31,077,000 | 31,662,000 | 32,051,000 | 32,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 4,567,000 | 6,868,000 | 9,095,000 |
| Interest expense | 273,000 | 528,000 | 766,000 | 985,000 |
| Net interest income | 2,027,000 | 4,039,000 | 6,102,000 | 8,110,000 |
| Noninterest income | 210,000 | 389,000 | 666,000 | 930,000 |
| Noninterest expense | 1,585,000 | 3,166,000 | 4,727,000 | 6,365,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 652,000 | 1,405,000 | 2,184,000 | 2,818,000 |
| Income tax | 95,000 | 241,000 | 381,000 | 481,000 |
| Net income | 557,000 | 1,164,000 | 1,803,000 | 2,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,323,000 | 29,645,000 | 30,003,000 | 30,256,000 |
| Total capital | 30,968,000 | 31,339,000 | 31,698,000 | 31,945,000 |
| Risk-weighted assets | 131,071,000 | 135,038,000 | 136,042,000 | 134,691,000 |