Call reports 2016
FNB OXFORD BANK — 2016
What FNB OXFORD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 272,645,000 | 283,088,000 | 285,431,000 | 291,404,000 |
| Total loans | 148,712,000 | 157,991,000 | 163,096,000 | 174,861,000 |
| Allowance for loan losses | 2,049,000 | 2,042,000 | 2,049,000 | 2,099,000 |
| Securities available for sale | 95,898,000 | 101,038,000 | 99,518,000 | 93,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,904,000 | 233,736,000 | 237,562,000 | 238,519,000 |
| Interest-bearing deposits | 153,074,000 | 155,061,000 | 160,191,000 | 160,635,000 |
| Noninterest-bearing deposits | 77,830,000 | 78,675,000 | 77,371,000 | 77,884,000 |
| Equity capital | 34,296,000 | 35,363,000 | 34,987,000 | 33,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,240,000 | 4,540,000 | 7,006,000 | 9,469,000 |
| Interest expense | 137,000 | 275,000 | 429,000 | 583,000 |
| Net interest income | 2,103,000 | 4,265,000 | 6,577,000 | 8,886,000 |
| Noninterest income | 344,000 | 661,000 | 1,003,000 | 1,313,000 |
| Noninterest expense | 1,696,000 | 3,402,000 | 5,068,000 | 6,925,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 80,000 |
| Pretax income | 751,000 | 1,524,000 | 2,492,000 | 3,194,000 |
| Income tax | 107,000 | 232,000 | 427,000 | 612,000 |
| Net income | 644,000 | 1,292,000 | 2,065,000 | 2,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,890,000 | 33,246,000 | 33,228,000 | 33,351,000 |
| Total capital | 34,939,000 | 35,288,000 | 35,277,000 | 35,450,000 |
| Risk-weighted assets | 165,614,000 | 171,312,000 | 174,570,000 | 188,262,000 |