Call reports 2010
OXFORD BANK & TRUST — 2010
What OXFORD BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 643,499,000 | 612,350,000 | 594,768,000 | 572,199,000 |
| Total loans | 445,460,000 | 413,385,000 | 401,196,000 | 382,962,000 |
| Allowance for loan losses | 8,040,000 | 6,757,000 | 6,650,000 | 7,165,000 |
| Securities available for sale | 31,731,000 | 29,837,000 | 28,580,000 | 27,040,000 |
| Securities held to maturity | 225,000 | 225,000 | 225,000 | 225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 594,157,000 | 562,528,000 | 545,154,000 | 531,406,000 |
| Interest-bearing deposits | 548,810,000 | 513,747,000 | 498,622,000 | 478,468,000 |
| Noninterest-bearing deposits | 45,347,000 | 48,781,000 | 46,532,000 | 52,938,000 |
| Equity capital | 47,006,000 | 47,536,000 | 47,954,000 | 39,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,724,000 | 13,299,000 | 19,536,000 | 25,459,000 |
| Interest expense | 2,225,000 | 3,826,000 | 5,217,000 | 6,447,000 |
| Net interest income | 4,499,000 | 9,473,000 | 14,319,000 | 19,012,000 |
| Noninterest income | 524,000 | 1,645,000 | 2,542,000 | -3,824,000 |
| Noninterest expense | 4,729,000 | 9,988,000 | 15,179,000 | 20,460,000 |
| Provision for loan losses | 1,164,000 | 1,630,000 | 1,902,000 | 3,283,000 |
| Pretax income | -870,000 | -476,000 | -190,000 | -8,525,000 |
| Income tax | 0 | 4,000 | 4,000 | 7,000 |
| Net income | -870,000 | -480,000 | -194,000 | -8,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,131,000 | 46,521,000 | 46,806,000 | 38,469,000 |
| Total capital | 52,179,000 | 52,299,000 | 52,436,000 | 43,763,000 |
| Risk-weighted assets | 481,615,000 | 460,148,000 | 447,951,000 | 421,475,000 |
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