Call reports 2015
OXFORD UNIVERSITY BANK — 2015
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 119,279,000 | 118,839,000 | 120,755,000 | 122,628,000 |
| Total loans | 82,408,000 | 84,793,000 | 88,331,000 | 90,567,000 |
| Allowance for loan losses | 790,000 | 788,000 | 758,000 | 897,000 |
| Securities available for sale | 14,844,000 | 13,965,000 | 16,338,000 | 16,655,000 |
| Securities held to maturity | 3,004,000 | 2,497,000 | 2,159,000 | 1,897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,511,000 | 104,702,000 | 107,194,000 | 108,483,000 |
| Interest-bearing deposits | 83,543,000 | 82,940,000 | 82,628,000 | 83,245,000 |
| Noninterest-bearing deposits | 21,968,000 | 21,762,000 | 24,565,000 | 25,238,000 |
| Equity capital | 11,039,000 | 11,141,000 | 11,430,000 | 11,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,292,000 | 3,504,000 | 4,711,000 |
| Interest expense | 162,000 | 328,000 | 488,000 | 645,000 |
| Net interest income | 957,000 | 1,964,000 | 3,016,000 | 4,066,000 |
| Noninterest income | 127,000 | 262,000 | 407,000 | 747,000 |
| Noninterest expense | 798,000 | 1,647,000 | 2,546,000 | 3,425,000 |
| Provision for loan losses | 0 | 0 | 0 | 140,000 |
| Pretax income | 286,000 | 576,000 | 874,000 | 1,245,000 |
| Income tax | 85,000 | 172,000 | 262,000 | 405,000 |
| Net income | 201,000 | 404,000 | 612,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,985,000 | 11,120,000 | 11,371,000 | 11,576,000 |
| Total capital | 11,775,000 | 11,908,000 | 12,129,000 | 12,472,000 |
| Risk-weighted assets | 79,867,000 | 82,515,000 | 82,625,000 | 88,695,000 |