Call reports 2014
OXFORD UNIVERSITY BANK — 2014
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 108,626,000 | 108,368,000 | 113,693,000 | 115,450,000 |
| Total loans | 76,172,000 | 75,992,000 | 79,161,000 | 81,669,000 |
| Allowance for loan losses | 847,000 | 588,000 | 574,000 | 790,000 |
| Securities available for sale | 16,373,000 | 16,146,000 | 15,851,000 | 14,482,000 |
| Securities held to maturity | 3,295,000 | 3,292,000 | 4,213,000 | 3,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,873,000 | 93,596,000 | 97,441,000 | 102,454,000 |
| Interest-bearing deposits | 77,293,000 | 76,568,000 | 79,635,000 | 79,324,000 |
| Noninterest-bearing deposits | 17,580,000 | 17,028,000 | 17,806,000 | 23,130,000 |
| Equity capital | 10,163,000 | 10,425,000 | 10,528,000 | 10,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,062,000 | 2,135,000 | 3,219,000 | 4,355,000 |
| Interest expense | 167,000 | 333,000 | 499,000 | 669,000 |
| Net interest income | 895,000 | 1,802,000 | 2,720,000 | 3,686,000 |
| Noninterest income | 107,000 | 225,000 | 352,000 | 807,000 |
| Noninterest expense | 724,000 | 1,495,000 | 2,345,000 | 3,168,000 |
| Provision for loan losses | 0 | 0 | 0 | 225,000 |
| Pretax income | 278,000 | 528,000 | 723,000 | 1,096,000 |
| Income tax | 80,000 | 149,000 | 196,000 | 336,000 |
| Net income | 198,000 | 379,000 | 527,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,266,000 | 10,423,000 | 10,573,000 | 10,783,000 |
| Total capital | 11,113,000 | 11,011,000 | 11,147,000 | 11,573,000 |
| Risk-weighted assets | 72,123,000 | 72,882,000 | 76,998,000 | 77,765,000 |