Call reports 2017
OXFORD UNIVERSITY BANK — 2017
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 131,837,000 | 136,802,000 | 142,650,000 | 151,594,000 |
| Total loans | 105,184,000 | 110,485,000 | 113,406,000 | 113,727,000 |
| Allowance for loan losses | 976,000 | 974,000 | 956,000 | 1,047,000 |
| Securities available for sale | 13,419,000 | 12,826,000 | 13,918,000 | 17,463,000 |
| Securities held to maturity | 1,558,000 | 1,558,000 | 1,271,000 | 1,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,995,000 | 113,448,000 | 123,919,000 | 132,802,000 |
| Interest-bearing deposits | 88,793,000 | 91,561,000 | 101,478,000 | 110,997,000 |
| Noninterest-bearing deposits | 24,202,000 | 21,887,000 | 22,441,000 | 21,805,000 |
| Equity capital | 12,617,000 | 12,812,000 | 13,019,000 | 12,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,297,000 | 2,684,000 | 4,163,000 | 5,690,000 |
| Interest expense | 160,000 | 341,000 | 599,000 | 908,000 |
| Net interest income | 1,137,000 | 2,343,000 | 3,564,000 | 4,782,000 |
| Noninterest income | 145,000 | 297,000 | 445,000 | 854,000 |
| Noninterest expense | 916,000 | 1,866,000 | 2,812,000 | 3,852,000 |
| Provision for loan losses | 0 | 0 | 0 | 90,000 |
| Pretax income | 366,000 | 774,000 | 1,197,000 | 1,694,000 |
| Income tax | 117,000 | 249,000 | 389,000 | 692,000 |
| Net income | 249,000 | 525,000 | 808,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,618,000 | 12,786,000 | 12,998,000 | 12,790,000 |
| Total capital | 13,594,000 | 13,760,000 | 13,954,000 | 13,837,000 |
| Risk-weighted assets | 103,755,000 | 107,397,000 | 109,441,000 | 110,572,000 |