Call reports 2011
OXFORD UNIVERSITY BANK — 2011
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 93,474,000 | 94,612,000 | 92,766,000 | 93,670,000 |
| Total loans | 62,703,000 | 62,623,000 | 64,715,000 | 66,767,000 |
| Allowance for loan losses | 703,000 | 699,000 | 697,000 | 684,000 |
| Securities available for sale | 14,776,000 | 15,515,000 | 11,947,000 | 11,270,000 |
| Securities held to maturity | 4,699,000 | 4,915,000 | 4,906,000 | 4,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,599,000 | 81,813,000 | 80,749,000 | 81,769,000 |
| Interest-bearing deposits | 67,080,000 | 68,104,000 | 67,852,000 | 68,996,000 |
| Noninterest-bearing deposits | 13,519,000 | 13,709,000 | 12,897,000 | 12,773,000 |
| Equity capital | 9,068,000 | 9,438,000 | 8,697,000 | 8,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,073,000 | 3,142,000 | 4,205,000 |
| Interest expense | 260,000 | 513,000 | 745,000 | 959,000 |
| Net interest income | 774,000 | 1,560,000 | 2,397,000 | 3,246,000 |
| Noninterest income | 103,000 | 215,000 | 334,000 | 460,000 |
| Noninterest expense | 756,000 | 1,496,000 | 2,242,000 | 3,073,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -406,000 | -317,000 | -346,000 | -167,000 |
| Income tax | -168,000 | -146,000 | -159,000 | -87,000 |
| Net income | -238,000 | -171,000 | -187,000 | -80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,753,000 | 9,819,000 | 8,551,000 | 8,642,000 |
| Total capital | 10,456,000 | 10,518,000 | 9,248,000 | 9,326,000 |
| Risk-weighted assets | 71,332,000 | 72,329,000 | 61,188,000 | 62,972,000 |