Call reports 2013
OXFORD BANK & TRUST — 2013
What OXFORD BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 461,761,000 | 456,304,000 | 443,518,000 | 446,174,000 |
| Total loans | 282,940,000 | 281,081,000 | 282,657,000 | 277,134,000 |
| Allowance for loan losses | 5,094,000 | 3,993,000 | 3,821,000 | 3,719,000 |
| Securities available for sale | 40,233,000 | 51,030,000 | 61,367,000 | 81,597,000 |
| Securities held to maturity | 95,000 | 95,000 | 95,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,850,000 | 417,558,000 | 404,411,000 | 407,084,000 |
| Interest-bearing deposits | 337,702,000 | 331,294,000 | 321,158,000 | 318,118,000 |
| Noninterest-bearing deposits | 83,148,000 | 86,264,000 | 83,253,000 | 88,966,000 |
| Equity capital | 39,237,000 | 37,142,000 | 37,600,000 | 37,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,089,000 | 8,044,000 | 12,141,000 | 16,237,000 |
| Interest expense | 243,000 | 466,000 | 662,000 | 829,000 |
| Net interest income | 3,846,000 | 7,578,000 | 11,479,000 | 15,408,000 |
| Noninterest income | 935,000 | 1,348,000 | 2,346,000 | 3,030,000 |
| Noninterest expense | 4,675,000 | 9,133,000 | 13,562,000 | 17,857,000 |
| Provision for loan losses | 94,000 | 384,000 | 384,000 | 424,000 |
| Pretax income | 12,000 | -591,000 | -121,000 | 157,000 |
| Income tax | 0 | 4,000 | 4,000 | 4,000 |
| Net income | 12,000 | -595,000 | -125,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,278,000 | 37,582,000 | 38,136,000 | 38,390,000 |
| Total capital | 42,192,000 | 41,467,000 | 41,988,000 | 42,140,000 |
| Risk-weighted assets | 310,232,000 | 310,632,000 | 312,699,000 | 311,521,000 |
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