Call reports 2020
FNB OXFORD BANK — 2020
What FNB OXFORD BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 385,966,000 | 427,736,000 | 440,348,000 | 447,969,000 |
| Total loans | 218,275,000 | 235,156,000 | 231,746,000 | 223,701,000 |
| Allowance for loan losses | 2,574,000 | 3,045,000 | 3,070,000 | 3,144,000 |
| Securities available for sale | 140,292,000 | 154,684,000 | 164,091,000 | 177,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,485,000 | 341,498,000 | 355,453,000 | 354,546,000 |
| Interest-bearing deposits | 242,535,000 | 240,900,000 | 252,216,000 | 244,741,000 |
| Noninterest-bearing deposits | 76,950,000 | 100,598,000 | 103,237,000 | 109,806,000 |
| Equity capital | 41,734,000 | 45,185,000 | 47,165,000 | 48,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,595,000 | 7,344,000 | 11,070,000 | 14,796,000 |
| Interest expense | 924,000 | 1,701,000 | 2,391,000 | 3,044,000 |
| Net interest income | 2,671,000 | 5,643,000 | 8,679,000 | 11,752,000 |
| Noninterest income | 314,000 | 543,000 | 801,000 | 1,232,000 |
| Noninterest expense | 1,904,000 | 3,833,000 | 5,888,000 | 7,929,000 |
| Provision for loan losses | 260,000 | 750,000 | 825,000 | 900,000 |
| Pretax income | 1,121,000 | 1,903,000 | 3,072,000 | 4,461,000 |
| Income tax | 213,000 | 348,000 | 573,000 | 858,000 |
| Net income | 908,000 | 1,555,000 | 2,499,000 | 3,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,269,000 | 40,448,000 | 41,392,000 | 42,495,000 |