Call reports 2018
FNB OXFORD BANK — 2018
What FNB OXFORD BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 314,024,000 | 308,974,000 | 312,178,000 | 309,392,000 |
| Total loans | 185,809,000 | 187,694,000 | 191,885,000 | 199,486,000 |
| Allowance for loan losses | 2,118,000 | 2,144,000 | 2,176,000 | 2,189,000 |
| Securities available for sale | 93,397,000 | 94,510,000 | 90,176,000 | 85,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,989,000 | 256,168,000 | 258,571,000 | 252,810,000 |
| Interest-bearing deposits | 175,981,000 | 174,826,000 | 173,419,000 | 174,006,000 |
| Noninterest-bearing deposits | 86,008,000 | 81,343,000 | 85,152,000 | 78,804,000 |
| Equity capital | 34,941,000 | 35,716,000 | 36,147,000 | 37,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,728,000 | 5,550,000 | 8,446,000 | 11,441,000 |
| Interest expense | 255,000 | 534,000 | 880,000 | 1,375,000 |
| Net interest income | 2,473,000 | 5,016,000 | 7,566,000 | 10,066,000 |
| Noninterest income | 345,000 | 670,000 | 1,253,000 | 1,590,000 |
| Noninterest expense | 1,849,000 | 3,683,000 | 5,589,000 | 7,565,000 |
| Provision for loan losses | 40,000 | 80,000 | 140,000 | 180,000 |
| Pretax income | 930,000 | 1,923,000 | 3,146,000 | 3,939,000 |
| Income tax | 145,000 | 295,000 | 516,000 | 574,000 |
| Net income | 785,000 | 1,628,000 | 2,630,000 | 3,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,284,000 | 36,128,000 | 37,130,000 | 37,665,000 |
| Total capital | 37,402,000 | 38,272,000 | 39,306,000 | 39,854,000 |
| Risk-weighted assets | 207,795,000 | 210,243,000 | 216,987,000 | 223,967,000 |