Call reports 2011
OXFORD BANK — 2011
What OXFORD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 277,493,000 | 274,408,000 | 273,154,000 | 264,303,000 |
| Total loans | 180,810,000 | 177,701,000 | 178,637,000 | 177,517,000 |
| Allowance for loan losses | 8,241,000 | 6,961,000 | 6,826,000 | 4,871,000 |
| Securities available for sale | 15,548,000 | 14,457,000 | 10,889,000 | 10,290,000 |
| Securities held to maturity | 4,790,000 | 4,145,000 | 4,124,000 | 3,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,019,000 | 262,276,000 | 260,895,000 | 250,529,000 |
| Interest-bearing deposits | 233,565,000 | 231,045,000 | 229,032,000 | 222,590,000 |
| Noninterest-bearing deposits | 33,454,000 | 31,231,000 | 31,863,000 | 27,939,000 |
| Equity capital | 9,265,000 | 10,627,000 | 11,195,000 | 11,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,975,000 | 5,808,000 | 8,706,000 | 11,307,000 |
| Interest expense | 464,000 | 881,000 | 1,270,000 | 1,631,000 |
| Net interest income | 2,511,000 | 4,927,000 | 7,436,000 | 9,676,000 |
| Noninterest income | 289,000 | 610,000 | 936,000 | 1,173,000 |
| Noninterest expense | 2,413,000 | 4,845,000 | 7,033,000 | 9,649,000 |
| Provision for loan losses | -474,000 | -1,432,000 | -1,432,000 | -2,832,000 |
| Pretax income | 861,000 | 2,124,000 | 2,771,000 | 4,032,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 861,000 | 2,124,000 | 2,771,000 | 4,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,247,000 | 10,511,000 | 11,158,000 | 11,020,000 |
| Total capital | 11,615,000 | 12,836,000 | 13,471,000 | 13,312,000 |
| Risk-weighted assets | 192,330,000 | 189,913,000 | 188,609,000 | 189,166,000 |