Call reports 2020
OXFORD UNIVERSITY BANK — 2020
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 171,020,000 | 189,195,000 | 189,302,000 | 188,210,000 |
| Total loans | 131,644,000 | 138,438,000 | 135,971,000 | 137,905,000 |
| Allowance for loan losses | 1,547,000 | 1,478,000 | 1,545,000 | 1,687,000 |
| Securities available for sale | 25,758,000 | 32,370,000 | 31,430,000 | 31,593,000 |
| Securities held to maturity | 966,000 | 966,000 | 773,000 | 773,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,885,000 | 169,352,000 | 169,069,000 | 167,428,000 |
| Interest-bearing deposits | 128,057,000 | 133,571,000 | 133,133,000 | 132,504,000 |
| Noninterest-bearing deposits | 23,828,000 | 35,781,000 | 35,936,000 | 34,924,000 |
| Equity capital | 17,797,000 | 18,395,000 | 18,743,000 | 19,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,953,000 | 3,947,000 | 5,929,000 | 7,911,000 |
| Interest expense | 537,000 | 1,002,000 | 1,409,000 | 1,713,000 |
| Net interest income | 1,416,000 | 2,945,000 | 4,520,000 | 6,198,000 |
| Noninterest income | 209,000 | 366,000 | 528,000 | 934,000 |
| Noninterest expense | 1,095,000 | 2,246,000 | 3,403,000 | 4,725,000 |
| Provision for loan losses | 30,000 | 60,000 | 132,000 | 292,000 |
| Pretax income | 500,000 | 1,005,000 | 1,513,000 | 2,115,000 |
| Income tax | 114,000 | 225,000 | 334,000 | 505,000 |
| Net income | 386,000 | 780,000 | 1,179,000 | 1,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,364,000 | 17,696,000 | 18,032,000 | 18,941,000 |