Call reports 2025
FNB OXFORD BANK — 2025
What FNB OXFORD BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 862,326,000 | 834,165,000 | 864,723,000 | 911,006,000 |
| Total loans | 439,987,000 | 465,567,000 | 458,413,000 | 484,378,000 |
| Allowance for loan losses | 4,453,000 | 4,650,000 | 4,906,000 | 5,152,000 |
| Securities available for sale | 374,365,000 | 318,521,000 | 340,942,000 | 343,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 722,981,000 | 704,374,000 | 730,930,000 | 772,612,000 |
| Interest-bearing deposits | 618,163,000 | 593,918,000 | 620,282,000 | 655,657,000 |
| Noninterest-bearing deposits | 104,818,000 | 110,456,000 | 110,648,000 | 116,955,000 |
| Equity capital | 93,478,000 | 95,562,000 | 99,094,000 | 102,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,855,000 | 22,047,000 | 33,617,000 | 45,332,000 |
| Interest expense | 4,948,000 | 9,980,000 | 15,531,000 | 20,819,000 |
| Net interest income | 5,907,000 | 12,067,000 | 18,086,000 | 24,513,000 |
| Noninterest income | 382,000 | 725,000 | 1,117,000 | 1,537,000 |
| Noninterest expense | 3,594,000 | 7,414,000 | 11,243,000 | 15,331,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,600,000 | 1,825,000 |
| Pretax income | 1,836,000 | 4,270,000 | 6,413,000 | 8,947,000 |
| Income tax | 390,000 | 940,000 | 1,400,000 | 1,934,000 |
| Net income | 1,446,000 | 3,330,000 | 5,013,000 | 7,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,151,000 | 102,788,000 | 104,471,000 | 106,695,000 |