Call reports 2008
OXFORD BANK — 2008
What OXFORD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 444,815,000 | 408,748,000 | 376,224,000 | 362,557,000 |
| Total loans | 320,136,000 | 301,537,000 | 286,872,000 | 273,892,000 |
| Allowance for loan losses | 8,423,000 | 6,095,000 | 8,113,000 | 10,664,000 |
| Securities available for sale | 48,855,000 | 50,288,000 | 47,890,000 | 47,369,000 |
| Securities held to maturity | 13,560,000 | 10,509,000 | 10,134,000 | 9,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,776,000 | 370,364,000 | 341,843,000 | 340,929,000 |
| Interest-bearing deposits | 376,575,000 | 341,590,000 | 314,618,000 | 316,344,000 |
| Noninterest-bearing deposits | 28,201,000 | 28,774,000 | 27,225,000 | 24,585,000 |
| Equity capital | 37,419,000 | 34,909,000 | 31,583,000 | 17,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,454,000 | 12,338,000 | 17,769,000 | 22,865,000 |
| Interest expense | 3,094,000 | 5,364,000 | 7,171,000 | 8,836,000 |
| Net interest income | 3,360,000 | 6,974,000 | 10,598,000 | 14,029,000 |
| Noninterest income | 304,000 | 458,000 | 385,000 | -274,000 |
| Noninterest expense | 4,043,000 | 7,727,000 | 10,889,000 | 15,194,000 |
| Provision for loan losses | 1,300,000 | 4,375,000 | 10,000,000 | 17,300,000 |
| Pretax income | -1,679,000 | -4,670,000 | -9,900,000 | -18,804,000 |
| Income tax | -660,000 | -1,737,000 | -3,571,000 | 1,768,000 |
| Net income | -1,019,000 | -2,933,000 | -6,329,000 | -20,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,346,000 | 31,271,000 | 26,068,000 | 17,106,000 |
| Total capital | 37,551,000 | 35,223,000 | 29,831,000 | 20,669,000 |
| Risk-weighted assets | 332,189,000 | 314,033,000 | 296,599,000 | 277,947,000 |