Call reports 2004
OXFORD BANK — 2004
What OXFORD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 483,081,000 | 494,654,000 | 511,327,000 | 512,629,000 |
| Total loans | 308,186,000 | 326,670,000 | 335,325,000 | 339,281,000 |
| Allowance for loan losses | 3,951,000 | 4,027,000 | 3,999,000 | 3,855,000 |
| Securities available for sale | 105,858,000 | 90,008,000 | 99,081,000 | 90,144,000 |
| Securities held to maturity | 12,839,000 | 11,631,000 | 12,457,000 | 14,903,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,478,000 | 442,560,000 | 458,393,000 | 458,714,000 |
| Interest-bearing deposits | 366,566,000 | 375,965,000 | 387,997,000 | 387,892,000 |
| Noninterest-bearing deposits | 63,912,000 | 66,595,000 | 70,396,000 | 70,822,000 |
| Equity capital | 43,266,000 | 43,087,000 | 44,367,000 | 45,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,065,000 | 12,192,000 | 18,564,000 | 25,140,000 |
| Interest expense | 1,932,000 | 3,910,000 | 6,049,000 | 8,250,000 |
| Net interest income | 4,133,000 | 8,282,000 | 12,515,000 | 16,890,000 |
| Noninterest income | 614,000 | 1,266,000 | 2,066,000 | 2,717,000 |
| Noninterest expense | 2,897,000 | 6,018,000 | 9,040,000 | 11,924,000 |
| Provision for loan losses | 200,000 | 380,000 | 629,000 | 749,000 |
| Pretax income | 1,650,000 | 3,262,000 | 5,069,000 | 7,090,000 |
| Income tax | 490,000 | 908,000 | 1,427,000 | 1,873,000 |
| Net income | 1,160,000 | 2,354,000 | 3,642,000 | 5,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,375,000 | 43,202,000 | 44,143,000 | 45,253,000 |
| Total capital | 46,359,000 | 47,251,000 | 48,157,000 | 49,122,000 |
| Risk-weighted assets | 326,714,000 | 341,267,000 | 354,672,000 | 355,722,000 |