Call reports 2017
OXFORD BANK & TRUST — 2017
What OXFORD BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 510,750,000 | 520,893,000 | 522,955,000 | 516,405,000 |
| Total loans | 321,646,000 | 333,520,000 | 337,951,000 | 338,935,000 |
| Allowance for loan losses | 3,568,000 | 3,616,000 | 3,597,000 | 3,535,000 |
| Securities available for sale | 150,948,000 | 155,617,000 | 151,426,000 | 147,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,207,000 | 446,564,000 | 448,850,000 | 460,507,000 |
| Interest-bearing deposits | 338,149,000 | 338,363,000 | 343,797,000 | 349,051,000 |
| Noninterest-bearing deposits | 112,058,000 | 108,201,000 | 105,053,000 | 111,456,000 |
| Equity capital | 44,925,000 | 47,367,000 | 48,135,000 | 47,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,000,000 | 10,236,000 | 15,587,000 | 21,013,000 |
| Interest expense | 193,000 | 435,000 | 735,000 | 1,085,000 |
| Net interest income | 4,807,000 | 9,801,000 | 14,852,000 | 19,928,000 |
| Noninterest income | 419,000 | 791,000 | 1,210,000 | 1,513,000 |
| Noninterest expense | 3,993,000 | 7,992,000 | 12,126,000 | 16,306,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 178,000 |
| Pretax income | 1,233,000 | 2,568,000 | 3,938,000 | 5,009,000 |
| Income tax | 3,000 | 3,000 | 4,000 | 4,000 |
| Net income | 1,230,000 | 2,565,000 | 3,934,000 | 5,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,430,000 | 45,443,000 | 46,551,000 | 47,278,000 |
| Total capital | 48,001,000 | 49,062,000 | 50,151,000 | 50,816,000 |
| Risk-weighted assets | 358,261,000 | 369,880,000 | 373,545,000 | 375,509,000 |