Call reports 2002
OXFORD UNIVERSITY BANK — 2002
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 35,392,000 | 39,446,000 | 41,515,000 | 42,982,000 |
| Total loans | 22,880,000 | 23,882,000 | 25,271,000 | 26,199,000 |
| Allowance for loan losses | 310,000 | 329,000 | 360,000 | 381,000 |
| Securities available for sale | 8,458,000 | 11,284,000 | 13,562,000 | 13,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,112,000 | 34,931,000 | 36,849,000 | 38,058,000 |
| Interest-bearing deposits | 28,569,000 | 31,711,000 | 32,952,000 | 34,326,000 |
| Noninterest-bearing deposits | 2,543,000 | 3,220,000 | 3,896,000 | 3,732,000 |
| Equity capital | 4,167,000 | 4,406,000 | 4,557,000 | 4,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,121,000 | 1,728,000 | 2,320,000 |
| Interest expense | 255,000 | 507,000 | 759,000 | 999,000 |
| Net interest income | 288,000 | 614,000 | 969,000 | 1,321,000 |
| Noninterest income | 30,000 | 74,000 | 136,000 | 190,000 |
| Noninterest expense | 276,000 | 556,000 | 830,000 | 1,156,000 |
| Provision for loan losses | 18,000 | 39,000 | 67,000 | 88,000 |
| Pretax income | 26,000 | 95,000 | 210,000 | 269,000 |
| Income tax | 0 | 0 | 0 | -242,000 |
| Net income | 26,000 | 95,000 | 210,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,206,000 | 4,275,000 | 4,391,000 | 4,656,000 |
| Total capital | 4,492,000 | 4,576,000 | 4,743,000 | 5,025,000 |
| Risk-weighted assets | 22,867,000 | 24,573,000 | 28,173,000 | 29,514,000 |