Call reports 2022
OXFORD UNIVERSITY BANK — 2022
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 211,819,000 | 226,243,000 | 219,051,000 | 217,009,000 |
| Total loans | 148,036,000 | 153,513,000 | 160,811,000 | 165,386,000 |
| Allowance for loan losses | 1,893,000 | 1,892,000 | 1,882,000 | 1,985,000 |
| Securities available for sale | 38,824,000 | 37,161,000 | 35,627,000 | 34,749,000 |
| Securities held to maturity | 632,000 | 534,000 | 433,000 | 433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,975,000 | 198,727,000 | 191,800,000 | 173,363,000 |
| Interest-bearing deposits | 144,604,000 | 144,301,000 | 139,483,000 | 129,741,000 |
| Noninterest-bearing deposits | 44,371,000 | 54,426,000 | 52,317,000 | 43,622,000 |
| Equity capital | 19,978,000 | 24,632,000 | 24,312,000 | 24,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,929,000 | 3,855,000 | 6,033,000 | 8,182,000 |
| Interest expense | 183,000 | 368,000 | 557,000 | 909,000 |
| Net interest income | 1,746,000 | 3,487,000 | 5,476,000 | 7,273,000 |
| Noninterest income | 191,000 | 639,000 | 824,000 | 1,057,000 |
| Noninterest expense | 1,224,000 | 2,549,000 | 3,905,000 | 5,494,000 |
| Provision for loan losses | 0 | 0 | 0 | 122,000 |
| Pretax income | 713,000 | 1,577,000 | 2,395,000 | 2,714,000 |
| Income tax | 160,000 | 356,000 | 538,000 | 600,000 |
| Net income | 553,000 | 1,221,000 | 1,857,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,284,000 | 26,909,000 | 27,546,000 | 27,803,000 |