Call reports 2009
OXFORD BANK — 2009
What OXFORD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 361,315,000 | 366,222,000 | 345,044,000 | 327,130,000 |
| Total loans | 263,431,000 | 253,222,000 | 240,924,000 | 227,949,000 |
| Allowance for loan losses | 10,045,000 | 9,473,000 | 13,000,000 | 12,850,000 |
| Securities available for sale | 46,416,000 | 50,039,000 | 49,571,000 | 43,407,000 |
| Securities held to maturity | 8,824,000 | 6,571,000 | 6,469,000 | 6,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,596,000 | 348,098,000 | 332,893,000 | 315,224,000 |
| Interest-bearing deposits | 316,417,000 | 320,696,000 | 308,755,000 | 289,974,000 |
| Noninterest-bearing deposits | 25,179,000 | 27,402,000 | 24,138,000 | 25,250,000 |
| Equity capital | 17,145,000 | 15,412,000 | 10,064,000 | 9,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,746,000 | 9,211,000 | 13,215,000 | 17,001,000 |
| Interest expense | 1,607,000 | 3,161,000 | 4,508,000 | 5,617,000 |
| Net interest income | 3,139,000 | 6,050,000 | 8,707,000 | 11,384,000 |
| Noninterest income | 450,000 | 495,000 | 787,000 | 570,000 |
| Noninterest expense | 3,591,000 | 7,481,000 | 10,988,000 | 14,656,000 |
| Provision for loan losses | 800,000 | 1,800,000 | 6,761,000 | 9,352,000 |
| Pretax income | -495,000 | -1,912,000 | -7,431,000 | -10,730,000 |
| Income tax | 0 | 0 | 0 | -3,166,000 |
| Net income | -495,000 | -1,912,000 | -7,431,000 | -7,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,611,000 | 15,194,000 | 9,675,000 | 9,542,000 |
| Total capital | 20,067,000 | 18,481,000 | 13,009,000 | 12,686,000 |
| Risk-weighted assets | 269,906,000 | 256,770,000 | 257,034,000 | 241,786,000 |