Call reports 2014
FNB OXFORD BANK — 2014
What FNB OXFORD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 241,076,000 | 240,158,000 | 243,948,000 | 245,670,000 |
| Total loans | 132,238,000 | 136,539,000 | 134,747,000 | 140,662,000 |
| Allowance for loan losses | 1,965,000 | 1,928,000 | 1,926,000 | 1,955,000 |
| Securities available for sale | 83,305,000 | 80,406,000 | 80,334,000 | 78,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,662,000 | 206,969,000 | 210,248,000 | 207,580,000 |
| Interest-bearing deposits | 145,839,000 | 144,439,000 | 146,741,000 | 143,300,000 |
| Noninterest-bearing deposits | 62,823,000 | 62,530,000 | 63,507,000 | 64,280,000 |
| Equity capital | 31,936,000 | 32,511,000 | 32,886,000 | 33,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,240,000 | 4,402,000 | 6,563,000 | 8,730,000 |
| Interest expense | 141,000 | 281,000 | 419,000 | 568,000 |
| Net interest income | 2,099,000 | 4,121,000 | 6,144,000 | 8,162,000 |
| Noninterest income | 315,000 | 615,000 | 939,000 | 1,246,000 |
| Noninterest expense | 1,590,000 | 3,227,000 | 4,905,000 | 6,824,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 824,000 | 1,511,000 | 2,150,000 | 2,526,000 |
| Income tax | 161,000 | 301,000 | 421,000 | 411,000 |
| Net income | 663,000 | 1,210,000 | 1,729,000 | 2,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,259,000 | 31,513,000 | 31,739,000 | 31,833,000 |
| Total capital | 33,085,000 | 33,385,000 | 33,604,000 | 33,761,000 |
| Risk-weighted assets | 145,905,000 | 149,681,000 | 149,123,000 | 154,188,000 |