Call reports 2009
OXFORD BANK & TRUST — 2009
What OXFORD BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 632,384,000 | 623,429,000 | 652,076,000 | 640,502,000 |
| Total loans | 527,726,000 | 499,935,000 | 492,204,000 | 464,617,000 |
| Allowance for loan losses | 6,881,000 | 6,951,000 | 6,857,000 | 7,101,000 |
| Securities available for sale | 41,404,000 | 37,447,000 | 36,997,000 | 33,159,000 |
| Securities held to maturity | 260,000 | 260,000 | 260,000 | 225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 573,388,000 | 573,653,000 | 602,314,000 | 589,785,000 |
| Interest-bearing deposits | 538,814,000 | 530,166,000 | 558,038,000 | 544,598,000 |
| Noninterest-bearing deposits | 34,574,000 | 43,487,000 | 44,276,000 | 45,187,000 |
| Equity capital | 55,421,000 | 46,638,000 | 47,024,000 | 47,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,267,000 | 15,996,000 | 22,682,000 | 29,732,000 |
| Interest expense | 3,104,000 | 5,823,000 | 8,577,000 | 11,264,000 |
| Net interest income | 5,163,000 | 10,173,000 | 14,105,000 | 18,468,000 |
| Noninterest income | 532,000 | 1,136,000 | 1,749,000 | 2,321,000 |
| Noninterest expense | 4,236,000 | 8,465,000 | 13,215,000 | 18,756,000 |
| Provision for loan losses | 1,450,000 | 11,294,000 | 11,294,000 | 19,636,000 |
| Pretax income | 9,000 | -8,440,000 | -8,645,000 | -17,573,000 |
| Income tax | 0 | 0 | 0 | -59,000 |
| Net income | 9,000 | -8,440,000 | -8,645,000 | -17,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,841,000 | 46,071,000 | 45,871,000 | 47,001,000 |
| Total capital | 61,060,000 | 52,640,000 | 52,293,000 | 53,193,000 |
| Risk-weighted assets | 496,887,000 | 525,155,000 | 512,824,000 | 494,462,000 |
Machine access — free, no API key
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