Call reports 2013
OXFORD UNIVERSITY BANK — 2013
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 107,141,000 | 106,880,000 | 109,961,000 | 108,463,000 |
| Total loans | 69,961,000 | 73,092,000 | 72,864,000 | 75,073,000 |
| Allowance for loan losses | 623,000 | 615,000 | 623,000 | 851,000 |
| Securities available for sale | 15,351,000 | 18,805,000 | 17,952,000 | 17,244,000 |
| Securities held to maturity | 3,753,000 | 3,748,000 | 3,493,000 | 3,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,166,000 | 92,862,000 | 95,733,000 | 94,213,000 |
| Interest-bearing deposits | 77,229,000 | 70,715,000 | 77,832,000 | 76,695,000 |
| Noninterest-bearing deposits | 16,937,000 | 22,147,000 | 17,902,000 | 17,518,000 |
| Equity capital | 9,728,000 | 9,389,000 | 9,758,000 | 9,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,020,000 | 2,080,000 | 3,165,000 | 4,245,000 |
| Interest expense | 178,000 | 364,000 | 552,000 | 724,000 |
| Net interest income | 842,000 | 1,716,000 | 2,613,000 | 3,521,000 |
| Noninterest income | 118,000 | 227,000 | 271,000 | 724,000 |
| Noninterest expense | 698,000 | 1,390,000 | 2,110,000 | 2,886,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 290,000 |
| Pretax income | 262,000 | 548,000 | 751,000 | 1,066,000 |
| Income tax | 79,000 | 165,000 | 218,000 | 307,000 |
| Net income | 183,000 | 383,000 | 533,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,569,000 | 9,746,000 | 9,896,000 | 10,092,000 |
| Total capital | 10,192,000 | 10,361,000 | 10,519,000 | 10,943,000 |
| Risk-weighted assets | 67,421,000 | 68,745,000 | 69,751,000 | 71,560,000 |