Call reports 2004
OXFORD UNIVERSITY BANK — 2004
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 48,577,000 | 51,005,000 | 55,422,000 | 58,475,000 |
| Total loans | 32,812,000 | 33,416,000 | 34,849,000 | 36,330,000 |
| Allowance for loan losses | 497,000 | 532,000 | 566,000 | 598,000 |
| Securities available for sale | 13,317,000 | 14,095,000 | 16,450,000 | 15,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,339,000 | 45,834,000 | 47,950,000 | 51,934,000 |
| Interest-bearing deposits | 38,342,000 | 39,851,000 | 40,083,000 | 43,282,000 |
| Noninterest-bearing deposits | 4,998,000 | 5,983,000 | 7,867,000 | 8,652,000 |
| Equity capital | 5,100,000 | 4,987,000 | 5,198,000 | 5,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,262,000 | 1,918,000 | 2,625,000 |
| Interest expense | 166,000 | 339,000 | 529,000 | 749,000 |
| Net interest income | 450,000 | 923,000 | 1,389,000 | 1,876,000 |
| Noninterest income | 69,000 | 143,000 | 213,000 | 280,000 |
| Noninterest expense | 362,000 | 724,000 | 1,122,000 | 1,503,000 |
| Provision for loan losses | 36,000 | 72,000 | 106,000 | 138,000 |
| Pretax income | 119,000 | 264,000 | 368,000 | 509,000 |
| Income tax | 44,000 | 95,000 | 134,000 | 191,000 |
| Net income | 75,000 | 169,000 | 234,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,010,000 | 5,106,000 | 5,172,000 | 5,257,000 |
| Total capital | 5,454,000 | 5,559,000 | 5,650,000 | 5,761,000 |
| Risk-weighted assets | 35,485,000 | 36,188,000 | 38,653,000 | 40,210,000 |