Call reports 2019
OXFORD UNIVERSITY BANK — 2019
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 161,337,000 | 164,065,000 | 163,655,000 | 168,631,000 |
| Total loans | 127,131,000 | 128,173,000 | 126,564,000 | 127,342,000 |
| Allowance for loan losses | 1,311,000 | 1,315,000 | 1,287,000 | 1,518,000 |
| Securities available for sale | 17,781,000 | 19,675,000 | 20,903,000 | 24,168,000 |
| Securities held to maturity | 1,177,000 | 1,177,000 | 986,000 | 986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,944,000 | 143,736,000 | 143,547,000 | 150,243,000 |
| Interest-bearing deposits | 114,592,000 | 117,776,000 | 120,001,000 | 125,996,000 |
| Noninterest-bearing deposits | 25,352,000 | 25,960,000 | 23,546,000 | 24,247,000 |
| Equity capital | 16,235,000 | 16,689,000 | 16,926,000 | 17,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,770,000 | 3,649,000 | 5,603,000 | 7,550,000 |
| Interest expense | 469,000 | 997,000 | 1,548,000 | 2,097,000 |
| Net interest income | 1,301,000 | 2,652,000 | 4,055,000 | 5,453,000 |
| Noninterest income | 410,000 | 593,000 | 777,000 | 1,216,000 |
| Noninterest expense | 1,058,000 | 2,211,000 | 3,326,000 | 4,390,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 365,000 |
| Pretax income | 608,000 | 944,000 | 1,371,000 | 1,914,000 |
| Income tax | 141,000 | 213,000 | 309,000 | 437,000 |
| Net income | 467,000 | 731,000 | 1,062,000 | 1,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,196,000 | 16,383,000 | 16,652,000 | 17,010,000 |
| Total capital | 17,507,000 | 17,698,000 | 17,939,000 | 18,491,000 |
| Risk-weighted assets | 121,193,000 | 121,719,000 | 117,518,000 | 118,450,000 |