Call reports 2008
OXFORD BANK & TRUST — 2008
What OXFORD BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 512,869,000 | 545,738,000 | 580,391,000 | 628,072,000 |
| Total loans | 425,812,000 | 464,424,000 | 504,258,000 | 536,740,000 |
| Allowance for loan losses | 4,045,000 | 4,387,000 | 5,019,000 | 6,920,000 |
| Securities available for sale | 50,925,000 | 49,699,000 | 44,638,000 | 42,076,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,454,000 | 471,948,000 | 517,014,000 | 568,211,000 |
| Interest-bearing deposits | 409,948,000 | 430,277,000 | 478,289,000 | 528,167,000 |
| Noninterest-bearing deposits | 44,506,000 | 41,671,000 | 38,725,000 | 40,044,000 |
| Equity capital | 48,566,000 | 48,604,000 | 55,718,000 | 55,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,016,000 | 16,720,000 | 24,927,000 | 33,557,000 |
| Interest expense | 2,828,000 | 5,081,000 | 7,798,000 | 11,074,000 |
| Net interest income | 5,188,000 | 11,639,000 | 17,129,000 | 22,483,000 |
| Noninterest income | 577,000 | 1,144,000 | 1,712,000 | 2,298,000 |
| Noninterest expense | 4,318,000 | 9,321,000 | 13,939,000 | 18,534,000 |
| Provision for loan losses | 150,000 | 550,000 | 1,250,000 | 5,358,000 |
| Pretax income | 1,297,000 | 2,914,000 | 3,654,000 | 891,000 |
| Income tax | 0 | 0 | 0 | 40,000 |
| Net income | 1,297,000 | 2,914,000 | 3,654,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,798,000 | 48,200,000 | 55,605,000 | 55,823,000 |
| Total capital | 51,843,000 | 52,587,000 | 60,624,000 | 62,085,000 |
| Risk-weighted assets | 425,055,000 | 457,271,000 | 480,262,000 | 500,290,000 |
Machine access — free, no API key
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