Call reports 2018
OXFORD BANK & TRUST — 2018
What OXFORD BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 531,229,000 | 536,922,000 | 546,713,000 | 560,757,000 |
| Total loans | 345,801,000 | 349,597,000 | 356,648,000 | 370,501,000 |
| Allowance for loan losses | 3,672,000 | 3,687,000 | 3,707,000 | 3,893,000 |
| Securities available for sale | 156,334,000 | 157,471,000 | 164,145,000 | 165,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,794,000 | 468,180,000 | 463,156,000 | 475,875,000 |
| Interest-bearing deposits | 348,952,000 | 347,937,000 | 380,418,000 | 389,033,000 |
| Noninterest-bearing deposits | 118,842,000 | 120,243,000 | 82,738,000 | 86,842,000 |
| Equity capital | 46,777,000 | 47,718,000 | 47,688,000 | 50,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,472,000 | 11,296,000 | 17,346,000 | 23,985,000 |
| Interest expense | 378,000 | 812,000 | 1,334,000 | 2,002,000 |
| Net interest income | 5,094,000 | 10,484,000 | 16,012,000 | 21,983,000 |
| Noninterest income | 271,000 | 681,000 | 1,032,000 | 1,435,000 |
| Noninterest expense | 4,231,000 | 8,494,000 | 12,754,000 | 17,243,000 |
| Provision for loan losses | 135,000 | 135,000 | 190,000 | 380,000 |
| Pretax income | 999,000 | 2,541,000 | 4,097,000 | 5,792,000 |
| Income tax | 0 | 10,000 | 10,000 | 10,000 |
| Net income | 999,000 | 2,531,000 | 4,087,000 | 5,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,979,000 | 49,153,000 | 50,383,000 | 51,721,000 |
| Total capital | 51,654,000 | 52,843,000 | 54,093,000 | 55,617,000 |
| Risk-weighted assets | 386,646,000 | 389,428,000 | 396,283,000 | 408,139,000 |