Call reports 2011
OXFORD BANK & TRUST — 2011
What OXFORD BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 567,207,000 | 526,274,000 | 489,449,000 | 485,192,000 |
| Total loans | 355,406,000 | 345,485,000 | 334,565,000 | 322,310,000 |
| Allowance for loan losses | 6,906,000 | 10,010,000 | 9,830,000 | 7,013,000 |
| Securities available for sale | 26,609,000 | 26,139,000 | 26,179,000 | 24,287,000 |
| Securities held to maturity | 185,000 | 185,000 | 185,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 516,938,000 | 478,514,000 | 442,849,000 | 442,553,000 |
| Interest-bearing deposits | 466,107,000 | 425,431,000 | 390,882,000 | 389,029,000 |
| Noninterest-bearing deposits | 50,831,000 | 53,083,000 | 51,967,000 | 53,524,000 |
| Equity capital | 48,316,000 | 46,105,000 | 44,802,000 | 41,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,308,000 | 10,512,000 | 15,512,000 | 20,528,000 |
| Interest expense | 980,000 | 1,817,000 | 2,374,000 | 2,867,000 |
| Net interest income | 4,328,000 | 8,695,000 | 13,138,000 | 17,661,000 |
| Noninterest income | 10,960,000 | 9,205,000 | 9,157,000 | 7,853,000 |
| Noninterest expense | 5,605,000 | 10,488,000 | 15,425,000 | 21,242,000 |
| Provision for loan losses | 450,000 | 3,700,000 | 4,757,000 | 5,607,000 |
| Pretax income | 9,233,000 | 3,712,000 | 2,113,000 | -1,335,000 |
| Income tax | 0 | 3,000 | 3,000 | 3,000 |
| Net income | 9,233,000 | 3,709,000 | 2,110,000 | -1,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,694,000 | 45,177,000 | 43,579,000 | 40,130,000 |
| Total capital | 52,707,000 | 50,076,000 | 48,328,000 | 44,698,000 |
| Risk-weighted assets | 399,149,000 | 385,893,000 | 372,787,000 | 361,102,000 |