Call reports 2016
OXFORD UNIVERSITY BANK — 2016
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 123,384,000 | 126,430,000 | 128,168,000 | 127,295,000 |
| Total loans | 91,692,000 | 96,864,000 | 99,898,000 | 99,297,000 |
| Allowance for loan losses | 897,000 | 891,000 | 904,000 | 973,000 |
| Securities available for sale | 16,377,000 | 16,040,000 | 14,938,000 | 14,382,000 |
| Securities held to maturity | 1,894,000 | 1,890,000 | 1,811,000 | 1,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,821,000 | 110,512,000 | 111,284,000 | 111,049,000 |
| Interest-bearing deposits | 86,374,000 | 87,821,000 | 89,768,000 | 89,361,000 |
| Noninterest-bearing deposits | 21,447,000 | 22,691,000 | 21,516,000 | 21,688,000 |
| Equity capital | 12,418,000 | 12,538,000 | 12,584,000 | 12,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,222,000 | 2,492,000 | 3,794,000 | 5,074,000 |
| Interest expense | 155,000 | 314,000 | 474,000 | 635,000 |
| Net interest income | 1,067,000 | 2,178,000 | 3,320,000 | 4,439,000 |
| Noninterest income | 137,000 | 299,000 | 434,000 | 561,000 |
| Noninterest expense | 887,000 | 1,790,000 | 2,684,000 | 3,469,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 140,000 |
| Pretax income | 317,000 | 687,000 | 1,030,000 | 1,391,000 |
| Income tax | 96,000 | 211,000 | 317,000 | 437,000 |
| Net income | 221,000 | 476,000 | 713,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,291,000 | 12,346,000 | 12,442,000 | 12,577,000 |
| Total capital | 13,188,000 | 13,237,000 | 13,346,000 | 13,550,000 |
| Risk-weighted assets | 87,794,000 | 90,049,000 | 91,163,000 | 98,154,000 |