Call reports 2015
FNB OXFORD BANK — 2015
What FNB OXFORD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 255,274,000 | 258,058,000 | 262,778,000 | 261,322,000 |
| Total loans | 136,944,000 | 138,766,000 | 144,800,000 | 145,023,000 |
| Allowance for loan losses | 2,013,000 | 2,036,000 | 2,058,000 | 2,049,000 |
| Securities available for sale | 77,196,000 | 77,677,000 | 85,905,000 | 92,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,453,000 | 217,072,000 | 221,514,000 | 219,865,000 |
| Interest-bearing deposits | 146,827,000 | 149,622,000 | 150,957,000 | 145,138,000 |
| Noninterest-bearing deposits | 67,626,000 | 67,450,000 | 70,557,000 | 74,727,000 |
| Equity capital | 33,402,000 | 33,104,000 | 33,498,000 | 33,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,110,000 | 4,232,000 | 6,407,000 | 8,612,000 |
| Interest expense | 154,000 | 307,000 | 455,000 | 595,000 |
| Net interest income | 1,956,000 | 3,925,000 | 5,952,000 | 8,017,000 |
| Noninterest income | 321,000 | 653,000 | 990,000 | 1,303,000 |
| Noninterest expense | 1,662,000 | 3,297,000 | 4,970,000 | 6,833,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 80,000 |
| Pretax income | 585,000 | 1,231,000 | 1,916,000 | 2,431,000 |
| Income tax | 82,000 | 200,000 | 350,000 | 350,000 |
| Net income | 503,000 | 1,031,000 | 1,566,000 | 2,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,857,000 | 32,092,000 | 32,335,000 | 32,557,000 |
| Total capital | 33,791,000 | 34,064,000 | 34,384,000 | 34,606,000 |
| Risk-weighted assets | 154,690,000 | 157,621,000 | 163,709,000 | 164,948,000 |