Call reports 2010
OXFORD UNIVERSITY BANK — 2010
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 97,806,000 | 92,549,000 | 89,997,000 | 91,047,000 |
| Total loans | 67,494,000 | 69,104,000 | 67,908,000 | 63,848,000 |
| Allowance for loan losses | 568,000 | 552,000 | 611,000 | 708,000 |
| Securities available for sale | 7,772,000 | 7,338,000 | 5,073,000 | 9,099,000 |
| Securities held to maturity | 2,917,000 | 2,908,000 | 2,899,000 | 4,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,884,000 | 76,385,000 | 78,225,000 | 78,603,000 |
| Interest-bearing deposits | 69,471,000 | 65,693,000 | 67,166,000 | 67,139,000 |
| Noninterest-bearing deposits | 11,413,000 | 10,691,000 | 11,059,000 | 11,464,000 |
| Equity capital | 8,487,000 | 8,578,000 | 8,356,000 | 9,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,113,000 | 2,280,000 | 3,447,000 | 4,545,000 |
| Interest expense | 364,000 | 692,000 | 1,003,000 | 1,289,000 |
| Net interest income | 749,000 | 1,588,000 | 2,444,000 | 3,256,000 |
| Noninterest income | 118,000 | 212,000 | 311,000 | 411,000 |
| Noninterest expense | 682,000 | 1,366,000 | 2,088,000 | 2,814,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 242,000 |
| Pretax income | 99,000 | 276,000 | 336,000 | 226,000 |
| Income tax | 22,000 | 71,000 | 79,000 | 15,000 |
| Net income | 77,000 | 205,000 | 257,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,256,000 | 9,384,000 | 9,421,000 | 9,990,000 |
| Total capital | 9,824,000 | 9,936,000 | 10,032,000 | 10,698,000 |
| Risk-weighted assets | 81,608,000 | 80,408,000 | 79,860,000 | 74,135,000 |