Call reports 2006
OXFORD BANK — 2006
What OXFORD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 534,477,000 | 516,332,000 | 540,229,000 | 515,224,000 |
| Total loans | 395,972,000 | 396,040,000 | 387,627,000 | 382,460,000 |
| Allowance for loan losses | 4,057,000 | 4,064,000 | 4,024,000 | 4,193,000 |
| Securities available for sale | 77,786,000 | 71,551,000 | 72,602,000 | 73,080,000 |
| Securities held to maturity | 16,385,000 | 13,341,000 | 13,738,000 | 13,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,429,000 | 463,067,000 | 485,007,000 | 460,151,000 |
| Interest-bearing deposits | 443,069,000 | 430,611,000 | 451,114,000 | 429,419,000 |
| Noninterest-bearing deposits | 34,360,000 | 32,456,000 | 33,893,000 | 30,732,000 |
| Equity capital | 48,165,000 | 48,848,000 | 49,699,000 | 49,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,842,000 | 15,884,000 | 24,162,000 | 31,800,000 |
| Interest expense | 3,367,000 | 6,836,000 | 10,688,000 | 14,514,000 |
| Net interest income | 4,475,000 | 9,048,000 | 13,474,000 | 17,286,000 |
| Noninterest income | 598,000 | 1,426,000 | 2,178,000 | 2,914,000 |
| Noninterest expense | 3,406,000 | 6,870,000 | 10,245,000 | 13,508,000 |
| Provision for loan losses | 380,000 | 780,000 | 1,276,000 | 2,026,000 |
| Pretax income | 1,287,000 | 2,824,000 | 4,032,000 | 4,567,000 |
| Income tax | 365,000 | 813,000 | 1,192,000 | 1,351,000 |
| Net income | 922,000 | 2,011,000 | 2,840,000 | 3,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,816,000 | 49,542,000 | 50,014,000 | 50,010,000 |
| Total capital | 52,873,000 | 53,606,000 | 54,043,000 | 54,209,000 |
| Risk-weighted assets | 400,770,000 | 396,034,000 | 395,391,000 | 388,272,000 |