Call reports 2012
OXFORD UNIVERSITY BANK — 2012
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 96,791,000 | 98,293,000 | 100,165,000 | 117,248,000 |
| Total loans | 66,221,000 | 68,606,000 | 69,794,000 | 69,763,000 |
| Allowance for loan losses | 663,000 | 570,000 | 579,000 | 659,000 |
| Securities available for sale | 11,563,000 | 14,351,000 | 14,969,000 | 13,876,000 |
| Securities held to maturity | 4,640,000 | 4,634,000 | 4,443,000 | 3,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,524,000 | 85,970,000 | 87,644,000 | 104,967,000 |
| Interest-bearing deposits | 70,798,000 | 72,192,000 | 72,705,000 | 74,501,000 |
| Noninterest-bearing deposits | 13,726,000 | 13,778,000 | 14,939,000 | 30,466,000 |
| Equity capital | 8,970,000 | 9,211,000 | 9,463,000 | 9,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,054,000 | 2,124,000 | 3,218,000 | 4,299,000 |
| Interest expense | 198,000 | 392,000 | 584,000 | 770,000 |
| Net interest income | 856,000 | 1,732,000 | 2,634,000 | 3,529,000 |
| Noninterest income | 128,000 | 256,000 | 379,000 | 483,000 |
| Noninterest expense | 682,000 | 1,385,000 | 2,108,000 | 2,823,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 120,000 |
| Pretax income | 302,000 | 603,000 | 860,000 | 1,069,000 |
| Income tax | 92,000 | 182,000 | 254,000 | 329,000 |
| Net income | 210,000 | 421,000 | 606,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,856,000 | 9,067,000 | 9,252,000 | 9,386,000 |
| Total capital | 9,519,000 | 9,637,000 | 9,831,000 | 10,045,000 |
| Risk-weighted assets | 63,768,000 | 66,153,000 | 66,994,000 | 71,081,000 |