Call reports 2002
OXFORD BANK — 2002
What OXFORD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 418,209,000 | 423,226,000 | 441,474,000 | 449,993,000 |
| Total loans | 244,994,000 | 251,352,000 | 263,150,000 | 275,761,000 |
| Allowance for loan losses | 3,474,000 | 3,528,000 | 3,711,000 | 3,753,000 |
| Securities available for sale | 99,617,000 | 98,462,000 | 100,768,000 | 95,194,000 |
| Securities held to maturity | 11,129,000 | 10,501,000 | 9,981,000 | 11,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,431,000 | 377,301,000 | 393,029,000 | 400,585,000 |
| Interest-bearing deposits | 315,259,000 | 314,918,000 | 329,441,000 | 340,894,000 |
| Noninterest-bearing deposits | 58,172,000 | 62,383,000 | 63,588,000 | 59,691,000 |
| Equity capital | 35,334,000 | 36,958,000 | 38,633,000 | 39,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,066,000 | 12,180,000 | 18,488,000 | 24,605,000 |
| Interest expense | 2,400,000 | 4,722,000 | 7,040,000 | 9,373,000 |
| Net interest income | 3,666,000 | 7,458,000 | 11,448,000 | 15,232,000 |
| Noninterest income | 711,000 | 1,456,000 | 2,370,000 | 3,557,000 |
| Noninterest expense | 2,669,000 | 5,296,000 | 8,186,000 | 11,171,000 |
| Provision for loan losses | 350,000 | 500,000 | 795,000 | 965,000 |
| Pretax income | 1,566,000 | 3,326,000 | 5,045,000 | 6,861,000 |
| Income tax | 454,000 | 976,000 | 1,462,000 | 2,033,000 |
| Net income | 1,112,000 | 2,350,000 | 3,583,000 | 4,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,789,000 | 35,706,000 | 36,679,000 | 37,632,000 |
| Total capital | 38,177,000 | 39,171,000 | 40,267,000 | 41,251,000 |
| Risk-weighted assets | 270,982,000 | 277,163,000 | 286,886,000 | 289,389,000 |