Call reports 2016
OXFORD BANK & TRUST — 2016
What OXFORD BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 484,175,000 | 492,099,000 | 490,785,000 | 493,573,000 |
| Total loans | 298,066,000 | 319,132,000 | 320,359,000 | 318,610,000 |
| Allowance for loan losses | 3,378,000 | 3,400,000 | 3,499,000 | 3,517,000 |
| Securities available for sale | 143,342,000 | 142,707,000 | 138,845,000 | 137,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,571,000 | 429,001,000 | 418,599,000 | 430,761,000 |
| Interest-bearing deposits | 331,807,000 | 324,293,000 | 316,731,000 | 324,381,000 |
| Noninterest-bearing deposits | 107,764,000 | 104,708,000 | 101,868,000 | 106,380,000 |
| Equity capital | 43,077,000 | 46,325,000 | 46,605,000 | 43,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,506,000 | 9,190,000 | 14,197,000 | 19,092,000 |
| Interest expense | 157,000 | 319,000 | 486,000 | 647,000 |
| Net interest income | 4,349,000 | 8,871,000 | 13,711,000 | 18,445,000 |
| Noninterest income | 429,000 | 894,000 | 1,265,000 | 1,588,000 |
| Noninterest expense | 4,064,000 | 8,156,000 | 12,042,000 | 16,104,000 |
| Provision for loan losses | 0 | 0 | 175,000 | 225,000 |
| Pretax income | 714,000 | 1,609,000 | 2,759,000 | 3,704,000 |
| Income tax | -1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 715,000 | 1,608,000 | 2,758,000 | 3,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,920,000 | 41,813,000 | 42,822,000 | 43,441,000 |
| Total capital | 44,308,000 | 45,230,000 | 46,335,000 | 46,961,000 |
| Risk-weighted assets | 338,788,000 | 356,813,000 | 355,176,000 | 353,164,000 |