Call reports 2013
FNB OXFORD BANK — 2013
What FNB OXFORD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 246,376,000 | 244,430,000 | 236,409,000 | 236,191,000 |
| Total loans | 121,978,000 | 128,103,000 | 124,825,000 | 127,759,000 |
| Allowance for loan losses | 2,014,000 | 1,998,000 | 2,004,000 | 2,009,000 |
| Securities available for sale | 83,429,000 | 83,022,000 | 82,667,000 | 81,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,063,000 | 212,590,000 | 204,297,000 | 204,031,000 |
| Interest-bearing deposits | 156,610,000 | 155,904,000 | 143,526,000 | 143,633,000 |
| Noninterest-bearing deposits | 57,453,000 | 56,686,000 | 60,771,000 | 60,398,000 |
| Equity capital | 31,907,000 | 31,226,000 | 31,243,000 | 31,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,163,000 | 4,378,000 | 6,556,000 | 8,708,000 |
| Interest expense | 194,000 | 353,000 | 509,000 | 661,000 |
| Net interest income | 1,969,000 | 4,025,000 | 6,047,000 | 8,047,000 |
| Noninterest income | 303,000 | 563,000 | 832,000 | 1,147,000 |
| Noninterest expense | 1,674,000 | 3,185,000 | 4,657,000 | 6,412,000 |
| Provision for loan losses | -75,000 | -75,000 | -75,000 | -75,000 |
| Pretax income | 673,000 | 1,478,000 | 2,297,000 | 2,857,000 |
| Income tax | 115,000 | 263,000 | 448,000 | 521,000 |
| Net income | 558,000 | 1,215,000 | 1,849,000 | 2,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,032,000 | 30,408,000 | 30,761,000 | 30,954,000 |
| Total capital | 31,717,000 | 32,172,000 | 32,487,000 | 32,710,000 |
| Risk-weighted assets | 134,427,000 | 140,872,000 | 137,837,000 | 140,208,000 |