Call reports 2004
OXFORD BANK & TRUST — 2004
What OXFORD BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 409,651,000 | 428,677,000 | 424,205,000 | 417,342,000 |
| Total loans | 300,900,000 | 322,277,000 | 339,591,000 | 341,685,000 |
| Allowance for loan losses | 3,580,000 | 3,640,000 | 3,778,000 | 3,898,000 |
| Securities available for sale | 46,291,000 | 45,679,000 | 45,141,000 | 43,302,000 |
| Securities held to maturity | 420,000 | 420,000 | 420,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,375,000 | 368,323,000 | 354,349,000 | 354,311,000 |
| Interest-bearing deposits | 312,568,000 | 327,454,000 | 319,327,000 | 320,010,000 |
| Noninterest-bearing deposits | 36,807,000 | 40,869,000 | 35,022,000 | 34,301,000 |
| Equity capital | 35,628,000 | 35,693,000 | 37,676,000 | 38,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,967,000 | 10,220,000 | 15,984,000 | 22,060,000 |
| Interest expense | 1,220,000 | 2,493,000 | 3,817,000 | 5,233,000 |
| Net interest income | 3,747,000 | 7,727,000 | 12,167,000 | 16,827,000 |
| Noninterest income | 672,000 | 1,327,000 | 1,972,000 | 2,586,000 |
| Noninterest expense | 3,379,000 | 6,774,000 | 10,338,000 | 14,321,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 450,000 |
| Pretax income | 965,000 | 2,130,000 | 3,499,000 | 4,640,000 |
| Income tax | 50,000 | 52,000 | 52,000 | 39,000 |
| Net income | 915,000 | 2,078,000 | 3,447,000 | 4,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,795,000 | 34,782,000 | 36,160,000 | 37,108,000 |
| Total capital | 37,377,000 | 38,422,000 | 39,938,000 | 41,006,000 |
| Risk-weighted assets | 309,106,000 | 329,867,000 | 348,822,000 | 343,340,000 |
Machine access — free, no API key
Every figure shown here about OXFORD BANK & TRUST — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.