Call reports 2005
OXFORD BANK — 2005
What OXFORD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 521,048,000 | 518,468,000 | 548,981,000 | 535,936,000 |
| Total loans | 336,377,000 | 354,656,000 | 373,201,000 | 390,701,000 |
| Allowance for loan losses | 3,826,000 | 3,877,000 | 3,968,000 | 4,003,000 |
| Securities available for sale | 107,934,000 | 110,074,000 | 93,637,000 | 83,424,000 |
| Securities held to maturity | 14,682,000 | 17,157,000 | 17,033,000 | 16,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,663,000 | 457,445,000 | 491,642,000 | 468,111,000 |
| Interest-bearing deposits | 397,652,000 | 383,007,000 | 417,468,000 | 396,774,000 |
| Noninterest-bearing deposits | 69,011,000 | 74,438,000 | 74,174,000 | 71,337,000 |
| Equity capital | 45,292,000 | 46,274,000 | 46,901,000 | 47,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,676,000 | 13,630,000 | 21,052,000 | 28,696,000 |
| Interest expense | 2,351,000 | 4,849,000 | 7,692,000 | 10,773,000 |
| Net interest income | 4,325,000 | 8,781,000 | 13,360,000 | 17,923,000 |
| Noninterest income | 769,000 | 1,498,000 | 2,253,000 | 2,949,000 |
| Noninterest expense | 3,297,000 | 6,698,000 | 10,030,000 | 12,987,000 |
| Provision for loan losses | 420,000 | 840,000 | 1,260,000 | 1,680,000 |
| Pretax income | 1,377,000 | 2,741,000 | 4,323,000 | 6,204,000 |
| Income tax | 405,000 | 798,000 | 1,251,000 | 1,784,000 |
| Net income | 972,000 | 1,943,000 | 3,072,000 | 4,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,890,000 | 46,491,000 | 47,265,000 | 48,248,000 |
| Total capital | 49,727,000 | 50,381,000 | 51,244,000 | 52,260,000 |
| Risk-weighted assets | 355,634,000 | 367,629,000 | 386,722,000 | 396,323,000 |