Call reports 2005
OXFORD UNIVERSITY BANK — 2005
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 70,292,000 | 72,715,000 | 67,526,000 | 67,861,000 |
| Total loans | 40,125,000 | 42,186,000 | 41,610,000 | 42,682,000 |
| Allowance for loan losses | 618,000 | 614,000 | 613,000 | 603,000 |
| Securities available for sale | 25,419,000 | 25,672,000 | 21,122,000 | 19,237,000 |
| Securities held to maturity | 0 | 0 | 738,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,885,000 | 66,240,000 | 57,705,000 | 59,617,000 |
| Interest-bearing deposits | 55,727,000 | 56,430,000 | 48,202,000 | 51,217,000 |
| Noninterest-bearing deposits | 8,157,000 | 9,809,000 | 9,503,000 | 8,400,000 |
| Equity capital | 5,133,000 | 5,185,000 | 5,254,000 | 5,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 801,000 | 1,722,000 | 2,682,000 | 3,801,000 |
| Interest expense | 340,000 | 763,000 | 1,150,000 | 1,541,000 |
| Net interest income | 461,000 | 959,000 | 1,532,000 | 2,260,000 |
| Noninterest income | 75,000 | 144,000 | 201,000 | 107,000 |
| Noninterest expense | 515,000 | 991,000 | 1,516,000 | 2,050,000 |
| Provision for loan losses | 22,000 | 36,000 | 36,000 | 36,000 |
| Pretax income | -1,000 | 76,000 | 181,000 | 280,000 |
| Income tax | 5,000 | 34,000 | 73,000 | 86,000 |
| Net income | -6,000 | 42,000 | 108,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,250,000 | 5,262,000 | 5,328,000 | 5,415,000 |
| Total capital | 5,849,000 | 5,876,000 | 5,929,000 | 6,018,000 |
| Risk-weighted assets | 47,919,000 | 50,609,000 | 48,124,000 | 49,170,000 |