Call reports 2019
OXFORD BANK & TRUST — 2019
What OXFORD BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 575,691,000 | 586,796,000 | 583,189,000 | 614,673,000 |
| Total loans | 380,967,000 | 391,959,000 | 395,248,000 | 404,522,000 |
| Allowance for loan losses | 3,970,000 | 4,109,000 | 4,152,000 | 4,247,000 |
| Securities available for sale | 171,433,000 | 171,734,000 | 160,919,000 | 173,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,649,000 | 504,051,000 | 505,914,000 | 520,993,000 |
| Interest-bearing deposits | 403,857,000 | 417,571,000 | 422,504,000 | 431,785,000 |
| Noninterest-bearing deposits | 87,792,000 | 86,480,000 | 83,410,000 | 89,208,000 |
| Equity capital | 54,849,000 | 58,121,000 | 60,109,000 | 61,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,410,000 | 13,131,000 | 19,944,000 | 26,829,000 |
| Interest expense | 826,000 | 1,807,000 | 2,880,000 | 3,956,000 |
| Net interest income | 5,584,000 | 11,324,000 | 17,064,000 | 22,873,000 |
| Noninterest income | 379,000 | 825,000 | 1,171,000 | 1,499,000 |
| Noninterest expense | 4,308,000 | 8,692,000 | 13,105,000 | 17,371,000 |
| Provision for loan losses | 106,000 | 264,000 | 434,000 | 190,000 |
| Pretax income | 1,549,000 | 3,485,000 | 5,096,000 | 7,213,000 |
| Income tax | 0 | 10,000 | 10,000 | 11,000 |
| Net income | 1,549,000 | 3,475,000 | 5,086,000 | 7,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,906,000 | 54,439,000 | 55,688,000 | 57,579,000 |
| Total capital | 56,879,000 | 58,551,000 | 59,845,000 | 61,829,000 |
| Risk-weighted assets | 417,868,000 | 427,825,000 | 429,653,000 | 437,614,000 |