Call reports 2010
OXFORD BANK — 2010
What OXFORD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 314,665,000 | 305,279,000 | 296,970,000 | 285,122,000 |
| Total loans | 218,303,000 | 206,207,000 | 199,615,000 | 191,091,000 |
| Allowance for loan losses | 12,000,000 | 11,756,000 | 11,018,000 | 9,313,000 |
| Securities available for sale | 42,869,000 | 34,540,000 | 28,905,000 | 22,666,000 |
| Securities held to maturity | 5,730,000 | 5,349,000 | 5,328,000 | 5,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,901,000 | 294,893,000 | 287,472,000 | 275,563,000 |
| Interest-bearing deposits | 279,937,000 | 270,793,000 | 264,084,000 | 251,179,000 |
| Noninterest-bearing deposits | 22,964,000 | 24,100,000 | 23,388,000 | 24,384,000 |
| Equity capital | 9,600,000 | 8,366,000 | 7,785,000 | 8,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,543,000 | 6,885,000 | 10,137,000 | 13,393,000 |
| Interest expense | 848,000 | 1,617,000 | 2,303,000 | 2,892,000 |
| Net interest income | 2,695,000 | 5,268,000 | 7,834,000 | 10,501,000 |
| Noninterest income | 346,000 | 839,000 | 1,015,000 | 1,056,000 |
| Noninterest expense | 2,561,000 | 5,281,000 | 7,859,000 | 10,254,000 |
| Provision for loan losses | 456,000 | 2,033,000 | 2,783,000 | 2,458,000 |
| Pretax income | 24,000 | -1,207,000 | -1,793,000 | -1,155,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | -1,207,000 | -1,793,000 | -1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,567,000 | 8,335,000 | 7,749,000 | 8,387,000 |
| Total capital | 12,607,000 | 11,199,000 | 10,522,000 | 10,902,000 |
| Risk-weighted assets | 234,240,000 | 220,240,000 | 213,634,000 | 203,727,000 |