Call reports 2024
FNB OXFORD BANK — 2024
What FNB OXFORD BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 778,776,000 | 770,784,000 | 797,208,000 | 817,381,000 |
| Total loans | 358,086,000 | 344,039,000 | 368,697,000 | 402,740,000 |
| Allowance for loan losses | 3,575,000 | 3,434,000 | 3,566,000 | 3,901,000 |
| Securities available for sale | 366,411,000 | 369,060,000 | 362,710,000 | 359,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,390,000 | 0 | 0 | 0 |
| Total deposits | 647,968,000 | 646,718,000 | 664,577,000 | 697,044,000 |
| Interest-bearing deposits | 539,971,000 | 540,025,000 | 544,832,000 | 586,423,000 |
| Noninterest-bearing deposits | 107,997,000 | 106,693,000 | 119,745,000 | 110,621,000 |
| Equity capital | 81,971,000 | 84,009,000 | 89,961,000 | 89,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 9,246,000 | 19,319,000 | 29,393,000 | 39,887,000 |
| Interest expense | 4,512,000 | 9,372,000 | 14,264,000 | 19,177,000 |
| Net interest income | 4,734,000 | 9,947,000 | 15,129,000 | 20,710,000 |
| Noninterest income | 382,000 | 2,274,000 | 2,645,000 | 5,901,000 |
| Noninterest expense | 3,235,000 | 6,606,000 | 10,084,000 | 13,790,000 |
| Provision for loan losses | 100,000 | 0 | 150,000 | 600,000 |
| Pretax income | 1,731,000 | 4,037,000 | 5,874,000 | 10,030,000 |
| Income tax | 360,000 | 890,000 | 1,260,000 | 2,241,000 |
| Net income | 1,371,000 | 3,147,000 | 4,614,000 | 7,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,958,000 | 94,733,000 | 96,201,000 | 99,515,000 |