Call reports 2003
OXFORD UNIVERSITY BANK — 2003
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,347,000 | 45,801,000 | 47,698,000 | 48,227,000 |
| Total loans | 27,589,000 | 29,869,000 | 30,215,000 | 31,866,000 |
| Allowance for loan losses | 414,000 | 440,000 | 465,000 | 461,000 |
| Securities available for sale | 14,256,000 | 11,635,000 | 13,921,000 | 14,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,419,000 | 40,820,000 | 42,657,000 | 42,990,000 |
| Interest-bearing deposits | 36,404,000 | 35,902,000 | 36,846,000 | 37,539,000 |
| Noninterest-bearing deposits | 4,015,000 | 4,918,000 | 5,810,000 | 5,451,000 |
| Equity capital | 4,814,000 | 4,878,000 | 4,935,000 | 4,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,166,000 | 1,755,000 | 2,357,000 |
| Interest expense | 216,000 | 409,000 | 590,000 | 765,000 |
| Net interest income | 352,000 | 757,000 | 1,165,000 | 1,592,000 |
| Noninterest income | 61,000 | 114,000 | 174,000 | 236,000 |
| Noninterest expense | 318,000 | 647,000 | 954,000 | 1,315,000 |
| Provision for loan losses | 36,000 | 63,000 | 90,000 | 126,000 |
| Pretax income | 59,000 | 161,000 | 293,000 | 379,000 |
| Income tax | 20,000 | 55,000 | 100,000 | 133,000 |
| Net income | 39,000 | 106,000 | 193,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,706,000 | 4,797,000 | 4,864,000 | 4,929,000 |
| Total capital | 5,082,000 | 5,189,000 | 5,270,000 | 5,358,000 |
| Risk-weighted assets | 30,010,000 | 31,282,000 | 32,447,000 | 34,262,000 |