Call reports 2021
OXFORD BANK & TRUST — 2021
What OXFORD BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Total assets | 759,350,000 | 753,142,000 | 743,200,000 |
| Total loans | 404,250,000 | 412,485,000 | 409,721,000 |
| Allowance for loan losses | 5,300,000 | 5,353,000 | 5,334,000 |
| Securities available for sale | 131,681,000 | 58,450,000 | 8,078,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 667,684,000 | 669,235,000 | 658,994,000 |
| Interest-bearing deposits | 550,090,000 | 554,410,000 | 542,660,000 |
| Noninterest-bearing deposits | 117,594,000 | 114,825,000 | 116,334,000 |
| Equity capital | 70,962,000 | 67,261,000 | 67,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Interest income | 6,882,000 | 13,118,000 | 19,122,000 |
| Interest expense | 634,000 | 1,143,000 | 1,624,000 |
| Net interest income | 6,248,000 | 11,975,000 | 17,498,000 |
| Noninterest income | 303,000 | 627,000 | 938,000 |
| Noninterest expense | 4,300,000 | 8,493,000 | 12,881,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 |
| Pretax income | 2,488,000 | 4,983,000 | 7,000,000 |
| Income tax | 17,000 | 21,000 | 21,000 |
| Net income | 2,471,000 | 4,962,000 | 6,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Tier 1 capital | 69,853,000 | 66,450,000 | 67,470,000 |