Call reports 2009
OXFORD UNIVERSITY BANK — 2009
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 93,710,000 | 87,592,000 | 88,993,000 | 94,044,000 |
| Total loans | 62,965,000 | 65,579,000 | 66,340,000 | 66,567,000 |
| Allowance for loan losses | 541,000 | 540,000 | 528,000 | 523,000 |
| Securities available for sale | 13,587,000 | 11,517,000 | 9,526,000 | 8,144,000 |
| Securities held to maturity | 3,486,000 | 3,475,000 | 3,452,000 | 3,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,569,000 | 71,485,000 | 72,779,000 | 77,679,000 |
| Interest-bearing deposits | 68,535,000 | 63,915,000 | 63,884,000 | 65,404,000 |
| Noninterest-bearing deposits | 9,033,000 | 7,570,000 | 8,895,000 | 12,275,000 |
| Equity capital | 8,132,000 | 7,942,000 | 7,792,000 | 7,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,373,000 | 3,590,000 | 4,716,000 |
| Interest expense | 494,000 | 962,000 | 1,380,000 | 1,776,000 |
| Net interest income | 685,000 | 1,411,000 | 2,210,000 | 2,940,000 |
| Noninterest income | 114,000 | 221,000 | 329,000 | 462,000 |
| Noninterest expense | 672,000 | 1,322,000 | 1,967,000 | 2,585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | -122,000 | 140,000 | 114,000 |
| Income tax | 33,000 | -45,000 | 40,000 | -9,000 |
| Net income | 94,000 | -77,000 | 100,000 | 123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,721,000 | 8,499,000 | 8,672,000 | 8,768,000 |
| Total capital | 9,262,000 | 9,040,000 | 9,199,000 | 9,291,000 |
| Risk-weighted assets | 82,010,000 | 80,819,000 | 89,034,000 | 84,735,000 |