Call reports 2023
FNB OXFORD BANK — 2023
What FNB OXFORD BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 613,178,000 | 622,099,000 | 652,335,000 | 681,781,000 |
| Total loans | 290,300,000 | 308,521,000 | 321,974,000 | 328,957,000 |
| Allowance for loan losses | 3,369,000 | 3,434,000 | 3,495,000 | 3,506,000 |
| Securities available for sale | 270,858,000 | 265,693,000 | 271,368,000 | 297,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,168,000 | 5,174,000 | 5,215,000 | 5,364,000 |
| Total deposits | 511,263,000 | 515,885,000 | 539,095,000 | 554,960,000 |
| Interest-bearing deposits | 386,314,000 | 400,476,000 | 426,894,000 | 443,160,000 |
| Noninterest-bearing deposits | 124,949,000 | 115,409,000 | 112,200,000 | 111,800,000 |
| Equity capital | 60,168,000 | 60,189,000 | 58,428,000 | 75,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,097,000 | 12,559,000 | 19,625,000 | 27,462,000 |
| Interest expense | 1,824,000 | 4,126,000 | 6,999,000 | 10,372,000 |
| Net interest income | 4,273,000 | 8,433,000 | 12,626,000 | 17,090,000 |
| Noninterest income | 450,000 | 814,000 | 1,189,000 | 2,196,000 |
| Noninterest expense | 2,674,000 | 5,544,000 | 8,385,000 | 11,921,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 | 175,000 |
| Pretax income | 1,777,000 | 3,356,000 | 4,936,000 | 6,796,000 |
| Income tax | 360,000 | 690,000 | 1,025,000 | 1,465,000 |
| Net income | 1,417,000 | 2,666,000 | 3,911,000 | 5,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,638,000 | 73,886,000 | 75,133,000 | 86,672,000 |