Call reports 2006
OXFORD UNIVERSITY BANK — 2006
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,336,000 | 70,807,000 | 72,852,000 | 73,102,000 |
| Total loans | 47,431,000 | 48,522,000 | 49,078,000 | 50,914,000 |
| Allowance for loan losses | 601,000 | 601,000 | 589,000 | 587,000 |
| Securities available for sale | 20,602,000 | 16,673,000 | 17,962,000 | 16,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,148,000 | 58,119,000 | 60,010,000 | 61,356,000 |
| Interest-bearing deposits | 50,692,000 | 49,040,000 | 51,457,000 | 52,624,000 |
| Noninterest-bearing deposits | 8,456,000 | 9,079,000 | 8,553,000 | 8,732,000 |
| Equity capital | 5,304,000 | 5,406,000 | 5,603,000 | 5,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,041,000 | 2,158,000 | 3,327,000 | 4,538,000 |
| Interest expense | 460,000 | 987,000 | 1,543,000 | 2,132,000 |
| Net interest income | 581,000 | 1,171,000 | 1,784,000 | 2,406,000 |
| Noninterest income | 63,000 | 161,000 | 242,000 | 318,000 |
| Noninterest expense | 526,000 | 1,020,000 | 1,570,000 | 2,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 334,000 | 478,000 | 602,000 |
| Income tax | 33,000 | 104,000 | 132,000 | 193,000 |
| Net income | 85,000 | 230,000 | 346,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,489,000 | 5,645,000 | 5,760,000 | 5,823,000 |
| Total capital | 6,090,000 | 6,246,000 | 6,348,000 | 6,410,000 |
| Risk-weighted assets | 53,651,000 | 52,724,000 | 54,424,000 | 57,731,000 |