Call reports 2015
OXFORD BANK & TRUST — 2015
What OXFORD BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 457,544,000 | 464,699,000 | 463,184,000 | 476,163,000 |
| Total loans | 285,705,000 | 290,000,000 | 289,394,000 | 291,364,000 |
| Allowance for loan losses | 3,375,000 | 3,578,000 | 3,260,000 | 3,433,000 |
| Securities available for sale | 110,331,000 | 123,686,000 | 128,476,000 | 129,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,580,000 | 423,482,000 | 420,286,000 | 433,521,000 |
| Interest-bearing deposits | 319,421,000 | 323,531,000 | 322,147,000 | 326,200,000 |
| Noninterest-bearing deposits | 96,159,000 | 99,951,000 | 98,139,000 | 107,321,000 |
| Equity capital | 40,693,000 | 40,040,000 | 41,682,000 | 41,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,108,000 | 8,320,000 | 12,736,000 | 17,098,000 |
| Interest expense | 129,000 | 280,000 | 441,000 | 601,000 |
| Net interest income | 3,979,000 | 8,040,000 | 12,295,000 | 16,497,000 |
| Noninterest income | 188,000 | 806,000 | 1,278,000 | 1,635,000 |
| Noninterest expense | 4,202,000 | 8,295,000 | 12,586,000 | 16,807,000 |
| Provision for loan losses | 70,000 | 245,000 | 245,000 | 475,000 |
| Pretax income | 295,000 | 706,000 | 1,142,000 | 1,250,000 |
| Income tax | 0 | 3,000 | 2,000 | 2,000 |
| Net income | 295,000 | 703,000 | 1,140,000 | 1,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,252,000 | 39,660,000 | 40,097,000 | 40,205,000 |
| Total capital | 42,632,000 | 43,242,000 | 43,366,000 | 43,641,000 |
| Risk-weighted assets | 323,109,000 | 329,407,000 | 330,563,000 | 333,189,000 |