Call reports 2021
OXFORD UNIVERSITY BANK — 2021
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 197,645,000 | 197,949,000 | 208,005,000 | 206,320,000 |
| Total loans | 140,855,000 | 142,978,000 | 150,258,000 | 150,527,000 |
| Allowance for loan losses | 1,718,000 | 1,756,000 | 1,711,000 | 1,892,000 |
| Securities available for sale | 31,303,000 | 34,478,000 | 36,856,000 | 40,401,000 |
| Securities held to maturity | 763,000 | 762,000 | 667,000 | 667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,056,000 | 174,940,000 | 183,153,000 | 182,168,000 |
| Interest-bearing deposits | 135,306,000 | 136,747,000 | 142,346,000 | 141,286,000 |
| Noninterest-bearing deposits | 39,750,000 | 38,193,000 | 40,808,000 | 40,882,000 |
| Equity capital | 19,498,000 | 20,016,000 | 21,800,000 | 21,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,961,000 | 3,877,000 | 5,917,000 | 7,874,000 |
| Interest expense | 266,000 | 525,000 | 752,000 | 960,000 |
| Net interest income | 1,695,000 | 3,352,000 | 5,165,000 | 6,914,000 |
| Noninterest income | 170,000 | 361,000 | 2,382,000 | 2,581,000 |
| Noninterest expense | 1,102,000 | 2,380,000 | 3,506,000 | 5,001,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 270,000 |
| Pretax income | 733,000 | 1,273,000 | 3,951,000 | 4,224,000 |
| Income tax | 208,000 | 283,000 | 955,000 | 1,015,000 |
| Net income | 525,000 | 990,000 | 2,996,000 | 3,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,076,000 | 19,459,000 | 21,403,000 | 21,204,000 |