Call reports 2005
OXFORD BANK & TRUST — 2005
What OXFORD BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 436,936,000 | 443,664,000 | 464,403,000 | 479,446,000 |
| Total loans | 361,278,000 | 368,305,000 | 360,586,000 | 372,864,000 |
| Allowance for loan losses | 4,045,000 | 4,194,000 | 4,330,000 | 4,295,000 |
| Securities available for sale | 41,895,000 | 40,683,000 | 46,372,000 | 48,262,000 |
| Securities held to maturity | 395,000 | 395,000 | 395,000 | 365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,116,000 | 381,419,000 | 406,446,000 | 419,777,000 |
| Interest-bearing deposits | 335,692,000 | 342,657,000 | 366,208,000 | 380,788,000 |
| Noninterest-bearing deposits | 35,424,000 | 38,762,000 | 40,238,000 | 38,989,000 |
| Equity capital | 38,206,000 | 39,755,000 | 40,509,000 | 41,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,488,000 | 13,573,000 | 21,214,000 | 29,021,000 |
| Interest expense | 1,641,000 | 3,518,000 | 5,828,000 | 8,477,000 |
| Net interest income | 4,847,000 | 10,055,000 | 15,386,000 | 20,544,000 |
| Noninterest income | 590,000 | 1,351,000 | 1,886,000 | 2,447,000 |
| Noninterest expense | 3,666,000 | 7,423,000 | 11,013,000 | 15,023,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 475,000 |
| Pretax income | 1,621,000 | 3,683,000 | 5,809,000 | 7,493,000 |
| Income tax | 35,000 | 35,000 | 30,000 | 30,000 |
| Net income | 1,586,000 | 3,648,000 | 5,779,000 | 7,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,598,000 | 38,980,000 | 39,981,000 | 41,658,000 |
| Total capital | 41,643,000 | 43,174,000 | 44,311,000 | 45,953,000 |
| Risk-weighted assets | 362,651,000 | 367,489,000 | 369,620,000 | 387,335,000 |
Machine access — free, no API key
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