Call reports 2023
OXFORD UNIVERSITY BANK — 2023
What OXFORD UNIVERSITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 226,239,000 | 225,018,000 | 227,076,000 | 227,147,000 |
| Total loans | 170,131,000 | 172,968,000 | 173,028,000 | 177,982,000 |
| Allowance for loan losses | 2,325,000 | 2,252,000 | 2,324,000 | 2,168,000 |
| Securities available for sale | 34,683,000 | 33,339,000 | 31,422,000 | 31,891,000 |
| Securities held to maturity | 305,000 | 305,000 | 305,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,233,000 | 166,336,000 | 175,670,000 | 170,810,000 |
| Interest-bearing deposits | 128,449,000 | 123,022,000 | 99,447,000 | 113,669,000 |
| Noninterest-bearing deposits | 42,784,000 | 43,314,000 | 76,223,000 | 57,141,000 |
| Equity capital | 24,748,000 | 24,606,000 | 24,327,000 | 25,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,257,000 | 4,693,000 | 7,328,000 | 10,098,000 |
| Interest expense | 664,000 | 1,540,000 | 2,469,000 | 3,448,000 |
| Net interest income | 1,593,000 | 3,153,000 | 4,859,000 | 6,650,000 |
| Noninterest income | 230,000 | 453,000 | 711,000 | 1,375,000 |
| Noninterest expense | 1,459,000 | 2,888,000 | 4,452,000 | 6,071,000 |
| Provision for loan losses | 42,000 | -22,000 | 48,000 | 48,000 |
| Pretax income | 300,000 | 644,000 | 969,000 | 1,805,000 |
| Income tax | 67,000 | 124,000 | 182,000 | 393,000 |
| Net income | 233,000 | 520,000 | 787,000 | 1,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,270,000 | 27,558,000 | 27,824,000 | 28,449,000 |