Call reports 2007
OXFORD BANK & TRUST — 2007
What OXFORD BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 545,896,000 | 539,900,000 | 507,789,000 | 510,026,000 |
| Total loans | 404,498,000 | 399,779,000 | 399,753,000 | 418,029,000 |
| Allowance for loan losses | 4,161,000 | 4,125,000 | 4,148,000 | 3,929,000 |
| Securities available for sale | 43,975,000 | 49,719,000 | 47,804,000 | 46,024,000 |
| Securities held to maturity | 335,000 | 335,000 | 335,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 493,465,000 | 488,964,000 | 456,737,000 | 459,078,000 |
| Interest-bearing deposits | 451,240,000 | 445,947,000 | 417,563,000 | 417,872,000 |
| Noninterest-bearing deposits | 42,225,000 | 43,017,000 | 39,174,000 | 41,206,000 |
| Equity capital | 45,927,000 | 45,722,000 | 46,395,000 | 47,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,579,000 | 19,203,000 | 28,488,000 | 37,382,000 |
| Interest expense | 4,448,000 | 8,889,000 | 12,921,000 | 16,580,000 |
| Net interest income | 5,131,000 | 10,314,000 | 15,567,000 | 20,802,000 |
| Noninterest income | 508,000 | 1,025,000 | 1,701,000 | 2,280,000 |
| Noninterest expense | 4,142,000 | 8,375,000 | 12,599,000 | 16,964,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 200,000 |
| Pretax income | 1,497,000 | 2,964,000 | 4,594,000 | 5,918,000 |
| Income tax | 1,000 | 0 | 0 | 125,000 |
| Net income | 1,496,000 | 2,964,000 | 4,594,000 | 5,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,743,000 | 45,911,000 | 46,225,000 | 47,025,000 |
| Total capital | 49,904,000 | 50,036,000 | 50,373,000 | 50,954,000 |
| Risk-weighted assets | 420,794,000 | 414,898,000 | 406,503,000 | 422,087,000 |
Machine access — free, no API key
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