Call reports 2018
OXFORD UNIVERSITY BANK — 2018
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 151,075,000 | 152,500,000 | 152,399,000 | 155,551,000 |
| Total loans | 115,402,000 | 121,279,000 | 122,917,000 | 124,667,000 |
| Allowance for loan losses | 1,047,000 | 1,070,000 | 1,115,000 | 1,267,000 |
| Securities available for sale | 18,706,000 | 17,358,000 | 15,909,000 | 18,067,000 |
| Securities held to maturity | 1,271,000 | 1,271,000 | 1,183,000 | 1,182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,209,000 | 135,224,000 | 128,669,000 | 133,338,000 |
| Interest-bearing deposits | 108,197,000 | 108,959,000 | 106,449,000 | 109,263,000 |
| Noninterest-bearing deposits | 26,013,000 | 26,265,000 | 22,220,000 | 24,075,000 |
| Equity capital | 12,876,000 | 13,021,000 | 15,708,000 | 15,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,537,000 | 3,159,000 | 4,929,000 | 6,640,000 |
| Interest expense | 311,000 | 648,000 | 989,000 | 1,382,000 |
| Net interest income | 1,226,000 | 2,511,000 | 3,940,000 | 5,258,000 |
| Noninterest income | 154,000 | 314,000 | 723,000 | 875,000 |
| Noninterest expense | 967,000 | 1,975,000 | 3,028,000 | 4,111,000 |
| Provision for loan losses | 0 | 30,000 | 80,000 | 355,000 |
| Pretax income | 413,000 | 820,000 | 1,555,000 | 1,667,000 |
| Income tax | 86,000 | 177,000 | 350,000 | 385,000 |
| Net income | 327,000 | 643,000 | 1,205,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,009,000 | 13,219,000 | 15,960,000 | 16,017,000 |
| Total capital | 14,056,000 | 14,289,000 | 17,075,000 | 17,284,000 |
| Risk-weighted assets | 112,052,000 | 116,362,000 | 116,201,000 | 119,482,000 |