Call reports 2022
FNB OXFORD BANK — 2022
What FNB OXFORD BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 496,415,000 | 544,411,000 | 587,835,000 | 607,298,000 |
| Total loans | 245,693,000 | 247,058,000 | 259,571,000 | 277,363,000 |
| Allowance for loan losses | 3,178,000 | 3,247,000 | 3,295,000 | 3,299,000 |
| Securities available for sale | 202,655,000 | 212,751,000 | 273,909,000 | 280,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,830,000 | 4,741,000 | 4,723,000 | 5,055,000 |
| Total deposits | 434,705,000 | 466,952,000 | 488,357,000 | 502,796,000 |
| Interest-bearing deposits | 305,431,000 | 340,891,000 | 359,535,000 | 378,015,000 |
| Noninterest-bearing deposits | 129,275,000 | 126,061,000 | 128,822,000 | 124,781,000 |
| Equity capital | 43,023,000 | 58,483,000 | 52,913,000 | 56,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,710,000 | 7,663,000 | 12,441,000 | 18,141,000 |
| Interest expense | 311,000 | 699,000 | 1,583,000 | 3,193,000 |
| Net interest income | 3,399,000 | 6,964,000 | 10,858,000 | 14,948,000 |
| Noninterest income | 65,000 | 478,000 | 755,000 | 1,427,000 |
| Noninterest expense | 2,248,000 | 4,713,000 | 7,220,000 | 9,993,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 120,000 |
| Pretax income | 1,171,000 | 2,633,000 | 4,274,000 | 6,153,000 |
| Income tax | 255,000 | 515,000 | 870,000 | 1,175,000 |
| Net income | 916,000 | 2,118,000 | 3,404,000 | 4,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,197,000 | 68,400,000 | 69,686,000 | 71,334,000 |