Call reports 2007
OXFORD BANK — 2007
What OXFORD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 511,851,000 | 489,657,000 | 484,931,000 | 462,633,000 |
| Total loans | 370,933,000 | 356,512,000 | 347,179,000 | 330,383,000 |
| Allowance for loan losses | 4,232,000 | 4,235,000 | 6,488,000 | 9,692,000 |
| Securities available for sale | 60,152,000 | 49,025,000 | 36,729,000 | 39,612,000 |
| Securities held to maturity | 13,093,000 | 12,677,000 | 12,212,000 | 13,912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,000,000 | 439,236,000 | 436,768,000 | 420,778,000 |
| Interest-bearing deposits | 428,596,000 | 407,682,000 | 408,367,000 | 391,727,000 |
| Noninterest-bearing deposits | 28,404,000 | 31,554,000 | 28,401,000 | 29,051,000 |
| Equity capital | 50,059,000 | 45,388,000 | 41,905,000 | 38,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,981,000 | 15,619,000 | 23,162,000 | 29,978,000 |
| Interest expense | 3,925,000 | 7,633,000 | 11,373,000 | 14,722,000 |
| Net interest income | 4,056,000 | 7,986,000 | 11,789,000 | 15,256,000 |
| Noninterest income | 620,000 | 1,695,000 | 1,837,000 | 2,017,000 |
| Noninterest expense | 3,507,000 | 6,955,000 | 9,932,000 | 14,648,000 |
| Provision for loan losses | 655,000 | 1,445,000 | 4,720,000 | 11,997,000 |
| Pretax income | 514,000 | 1,281,000 | -1,026,000 | -9,372,000 |
| Income tax | 101,000 | 287,000 | -297,000 | -3,413,000 |
| Net income | 413,000 | 994,000 | -729,000 | -5,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,063,000 | 45,581,000 | 41,737,000 | 37,651,000 |
| Total capital | 54,300,000 | 49,820,000 | 46,198,000 | 41,995,000 |
| Risk-weighted assets | 377,908,000 | 366,764,000 | 354,856,000 | 342,180,000 |