Call reports 2008
OXFORD UNIVERSITY BANK — 2008
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 77,796,000 | 80,044,000 | 82,422,000 | 85,832,000 |
| Total loans | 53,035,000 | 55,961,000 | 59,328,000 | 61,926,000 |
| Allowance for loan losses | 578,000 | 579,000 | 568,000 | 565,000 |
| Securities available for sale | 15,999,000 | 18,088,000 | 16,337,000 | 16,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,125,000 | 66,735,000 | 69,463,000 | 71,871,000 |
| Interest-bearing deposits | 60,338,000 | 58,616,000 | 61,476,000 | 63,979,000 |
| Noninterest-bearing deposits | 7,787,000 | 8,120,000 | 7,987,000 | 7,893,000 |
| Equity capital | 6,506,000 | 6,780,000 | 6,247,000 | 6,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,439,000 | 3,663,000 | 4,872,000 |
| Interest expense | 598,000 | 1,136,000 | 1,657,000 | 2,183,000 |
| Net interest income | 661,000 | 1,303,000 | 2,006,000 | 2,689,000 |
| Noninterest income | 97,000 | 197,000 | 300,000 | 406,000 |
| Noninterest expense | 639,000 | 1,257,000 | 1,925,000 | 2,627,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 119,000 | 243,000 | -93,000 | -10,000 |
| Income tax | 29,000 | 59,000 | -70,000 | -36,000 |
| Net income | 90,000 | 184,000 | -23,000 | 26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,428,000 | 6,802,000 | 6,648,000 | 6,637,000 |
| Total capital | 7,006,000 | 7,381,000 | 7,216,000 | 7,202,000 |
| Risk-weighted assets | 64,318,000 | 65,685,000 | 68,254,000 | 69,860,000 |