Call reports 2020
OXFORD BANK & TRUST — 2020
What OXFORD BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 637,263,000 | 691,681,000 | 717,578,000 | 730,806,000 |
| Total loans | 408,806,000 | 426,956,000 | 429,699,000 | 405,144,000 |
| Allowance for loan losses | 4,350,000 | 4,614,000 | 4,908,000 | 5,215,000 |
| Securities available for sale | 183,533,000 | 139,370,000 | 211,223,000 | 230,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,724,000 | 594,171,000 | 618,315,000 | 635,857,000 |
| Interest-bearing deposits | 461,419,000 | 490,515,000 | 518,058,000 | 525,767,000 |
| Noninterest-bearing deposits | 95,305,000 | 103,656,000 | 100,257,000 | 110,090,000 |
| Equity capital | 63,580,000 | 69,654,000 | 71,151,000 | 73,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,009,000 | 13,992,000 | 20,994,000 | 28,334,000 |
| Interest expense | 1,097,000 | 2,158,000 | 3,092,000 | 3,921,000 |
| Net interest income | 5,912,000 | 11,834,000 | 17,902,000 | 24,413,000 |
| Noninterest income | 705,000 | 951,000 | 1,235,000 | 1,482,000 |
| Noninterest expense | 4,246,000 | 8,354,000 | 12,417,000 | 16,886,000 |
| Provision for loan losses | 180,000 | 435,000 | 735,000 | 1,035,000 |
| Pretax income | 2,218,000 | 8,366,000 | 10,354,000 | 12,334,000 |
| Income tax | 0 | 8,000 | 8,000 | 8,000 |
| Net income | 2,218,000 | 8,358,000 | 10,346,000 | 12,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,337,000 | 64,634,000 | 65,975,000 | 67,833,000 |