Call reports 2014
OXFORD BANK & TRUST — 2014
What OXFORD BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 452,392,000 | 441,887,000 | 433,433,000 | 444,707,000 |
| Total loans | 277,391,000 | 277,973,000 | 280,854,000 | 284,129,000 |
| Allowance for loan losses | 3,764,000 | 3,498,000 | 3,523,000 | 3,468,000 |
| Securities available for sale | 89,776,000 | 109,890,000 | 103,914,000 | 105,614,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,382,000 | 401,073,000 | 392,366,000 | 403,592,000 |
| Interest-bearing deposits | 320,301,000 | 309,271,000 | 305,899,000 | 311,732,000 |
| Noninterest-bearing deposits | 92,081,000 | 91,802,000 | 86,467,000 | 91,860,000 |
| Equity capital | 38,410,000 | 39,609,000 | 39,906,000 | 39,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,992,000 | 8,230,000 | 12,402,000 | 16,584,000 |
| Interest expense | 130,000 | 259,000 | 382,000 | 504,000 |
| Net interest income | 3,862,000 | 7,971,000 | 12,020,000 | 16,080,000 |
| Noninterest income | 519,000 | 1,025,000 | 1,714,000 | 1,845,000 |
| Noninterest expense | 4,357,000 | 8,635,000 | 12,955,000 | 17,271,000 |
| Provision for loan losses | 32,000 | 122,000 | 157,000 | 202,000 |
| Pretax income | 64,000 | 311,000 | 709,000 | 539,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 64,000 | 309,000 | 707,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,467,000 | 38,725,000 | 39,127,000 | 38,957,000 |
| Total capital | 42,265,000 | 42,257,000 | 42,684,000 | 42,431,000 |
| Risk-weighted assets | 310,344,000 | 313,286,000 | 317,079,000 | 317,105,000 |
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