Call reports 2012
OXFORD BANK & TRUST — 2012
What OXFORD BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 478,670,000 | 464,570,000 | 459,019,000 | 463,172,000 |
| Total loans | 311,609,000 | 303,646,000 | 295,814,000 | 284,334,000 |
| Allowance for loan losses | 6,848,000 | 6,838,000 | 5,123,000 | 5,253,000 |
| Securities available for sale | 23,112,000 | 22,414,000 | 22,127,000 | 21,742,000 |
| Securities held to maturity | 140,000 | 140,000 | 140,000 | 95,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,119,000 | 422,932,000 | 417,962,000 | 421,956,000 |
| Interest-bearing deposits | 382,164,000 | 371,216,000 | 366,792,000 | 339,602,000 |
| Noninterest-bearing deposits | 54,955,000 | 51,716,000 | 51,170,000 | 82,354,000 |
| Equity capital | 40,190,000 | 40,144,000 | 39,629,000 | 39,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,415,000 | 9,032,000 | 13,385,000 | 17,878,000 |
| Interest expense | 439,000 | 781,000 | 1,100,000 | 1,386,000 |
| Net interest income | 3,976,000 | 8,251,000 | 12,285,000 | 16,492,000 |
| Noninterest income | 795,000 | 1,615,000 | 1,905,000 | 3,212,000 |
| Noninterest expense | 5,672,000 | 10,819,000 | 15,667,000 | 20,628,000 |
| Provision for loan losses | 0 | 40,000 | 190,000 | 887,000 |
| Pretax income | -901,000 | -993,000 | -1,667,000 | -1,811,000 |
| Income tax | 0 | 2,000 | 2,000 | 52,000 |
| Net income | -901,000 | -995,000 | -1,669,000 | -1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,229,000 | 39,135,000 | 38,460,000 | 38,267,000 |
| Total capital | 43,689,000 | 43,371,000 | 42,569,000 | 42,248,000 |
| Risk-weighted assets | 352,564,000 | 334,221,000 | 324,867,000 | 314,859,000 |