Call reports 2019
FNB OXFORD BANK — 2019
What FNB OXFORD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 331,156,000 | 367,017,000 | 365,351,000 | 367,278,000 |
| Total loans | 200,379,000 | 200,672,000 | 210,015,000 | 213,117,000 |
| Allowance for loan losses | 2,222,000 | 2,230,000 | 2,289,000 | 2,320,000 |
| Securities available for sale | 97,690,000 | 120,507,000 | 129,394,000 | 125,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,374,000 | 308,435,000 | 302,002,000 | 309,607,000 |
| Interest-bearing deposits | 193,379,000 | 232,286,000 | 222,553,000 | 231,188,000 |
| Noninterest-bearing deposits | 78,995,000 | 76,149,000 | 79,449,000 | 78,419,000 |
| Equity capital | 38,836,000 | 40,487,000 | 42,314,000 | 41,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,064,000 | 6,338,000 | 9,858,000 | 13,405,000 |
| Interest expense | 600,000 | 1,366,000 | 2,322,000 | 3,153,000 |
| Net interest income | 2,464,000 | 4,972,000 | 7,536,000 | 10,252,000 |
| Noninterest income | 555,000 | 863,000 | 1,180,000 | 1,745,000 |
| Noninterest expense | 1,910,000 | 3,913,000 | 5,842,000 | 7,710,000 |
| Provision for loan losses | 40,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 1,121,000 | 1,914,000 | 3,440,000 | 4,791,000 |
| Income tax | 178,000 | 286,000 | 586,000 | 918,000 |
| Net income | 943,000 | 1,628,000 | 2,854,000 | 3,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,307,000 | 38,523,000 | 39,280,000 | 39,830,000 |
| Total capital | 40,529,000 | 40,753,000 | 41,569,000 | 42,150,000 |
| Risk-weighted assets | 227,904,000 | 236,106,000 | 240,844,000 | 255,480,000 |