Call reports 2021
FNB OXFORD BANK — 2021
What FNB OXFORD BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 456,602,000 | 466,649,000 | 477,124,000 | 482,904,000 |
| Total loans | 229,871,000 | 234,357,000 | 233,376,000 | 242,338,000 |
| Allowance for loan losses | 3,145,000 | 3,143,000 | 3,023,000 | 3,131,000 |
| Securities available for sale | 180,076,000 | 185,590,000 | 187,285,000 | 195,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 5,028,000 | 5,022,000 | 5,075,000 |
| Total deposits | 375,225,000 | 383,081,000 | 401,143,000 | 412,686,000 |
| Interest-bearing deposits | 257,421,000 | 259,291,000 | 275,603,000 | 273,762,000 |
| Noninterest-bearing deposits | 117,805,000 | 123,790,000 | 125,539,000 | 138,924,000 |
| Equity capital | 47,875,000 | 49,328,000 | 51,213,000 | 51,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,735,000 | 7,407,000 | 11,437,000 | 15,068,000 |
| Interest expense | 622,000 | 1,104,000 | 1,472,000 | 1,770,000 |
| Net interest income | 3,113,000 | 6,303,000 | 9,965,000 | 13,298,000 |
| Noninterest income | 294,000 | 1,205,000 | 3,324,000 | 3,691,000 |
| Noninterest expense | 1,999,000 | 4,118,000 | 6,337,000 | 8,557,000 |
| Provision for loan losses | 0 | 0 | 0 | 130,000 |
| Pretax income | 1,405,000 | 3,110,000 | 6,675,000 | 8,025,000 |
| Income tax | 280,000 | 610,000 | 1,445,000 | 1,743,000 |
| Net income | 1,125,000 | 2,500,000 | 5,230,000 | 6,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,132,000 | 44,019,000 | 46,261,000 | 46,807,000 |