Call reports 2003
OXFORD BANK — 2003
What OXFORD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 455,053,000 | 461,176,000 | 477,234,000 | 476,288,000 |
| Total loans | 265,039,000 | 270,590,000 | 283,443,000 | 297,258,000 |
| Allowance for loan losses | 3,906,000 | 4,052,000 | 3,959,000 | 4,079,000 |
| Securities available for sale | 116,561,000 | 119,739,000 | 108,944,000 | 104,766,000 |
| Securities held to maturity | 13,075,000 | 11,543,000 | 11,496,000 | 11,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,510,000 | 409,476,000 | 426,330,000 | 425,437,000 |
| Interest-bearing deposits | 344,570,000 | 343,187,000 | 359,541,000 | 360,270,000 |
| Noninterest-bearing deposits | 60,940,000 | 66,289,000 | 66,789,000 | 65,167,000 |
| Equity capital | 40,174,000 | 41,347,000 | 41,544,000 | 42,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,055,000 | 11,969,000 | 17,926,000 | 23,571,000 |
| Interest expense | 2,218,000 | 4,308,000 | 6,252,000 | 8,161,000 |
| Net interest income | 3,837,000 | 7,661,000 | 11,674,000 | 15,410,000 |
| Noninterest income | 1,210,000 | 2,472,000 | 3,478,000 | 4,328,000 |
| Noninterest expense | 2,991,000 | 6,118,000 | 9,244,000 | 11,639,000 |
| Provision for loan losses | 275,000 | 525,000 | 675,000 | 1,085,000 |
| Pretax income | 1,781,000 | 3,490,000 | 5,461,000 | 7,242,000 |
| Income tax | 602,000 | 1,113,000 | 1,685,000 | 2,116,000 |
| Net income | 1,179,000 | 2,377,000 | 3,776,000 | 5,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,503,000 | 39,383,000 | 40,453,000 | 41,435,000 |
| Total capital | 42,089,000 | 43,088,000 | 44,281,000 | 45,414,000 |
| Risk-weighted assets | 286,523,000 | 293,052,000 | 303,795,000 | 315,894,000 |