Call reports 2007
OXFORD UNIVERSITY BANK — 2007
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 73,824,000 | 75,531,000 | 75,593,000 | 75,615,000 |
| Total loans | 49,996,000 | 52,492,000 | 51,119,000 | 51,425,000 |
| Allowance for loan losses | 585,000 | 580,000 | 581,000 | 582,000 |
| Securities available for sale | 16,976,000 | 15,969,000 | 17,857,000 | 18,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,023,000 | 64,565,000 | 65,353,000 | 65,734,000 |
| Interest-bearing deposits | 53,902,000 | 56,024,000 | 56,589,000 | 57,626,000 |
| Noninterest-bearing deposits | 9,121,000 | 8,541,000 | 8,763,000 | 8,108,000 |
| Equity capital | 5,916,000 | 5,996,000 | 6,229,000 | 6,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,564,000 | 3,880,000 | 5,151,000 |
| Interest expense | 599,000 | 1,236,000 | 1,885,000 | 2,519,000 |
| Net interest income | 629,000 | 1,328,000 | 1,995,000 | 2,632,000 |
| Noninterest income | 102,000 | 206,000 | 301,000 | 403,000 |
| Noninterest expense | 547,000 | 1,097,000 | 1,657,000 | 2,214,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 184,000 | 439,000 | 641,000 | 823,000 |
| Income tax | 54,000 | 141,000 | 208,000 | 255,000 |
| Net income | 130,000 | 298,000 | 433,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,953,000 | 6,121,000 | 6,255,000 | 6,338,000 |
| Total capital | 6,538,000 | 6,701,000 | 6,836,000 | 6,920,000 |
| Risk-weighted assets | 57,116,000 | 59,953,000 | 59,561,000 | 61,717,000 |