Call reports 2012
OXFORD BANK — 2012
What OXFORD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 275,792,000 | 268,838,000 | 267,095,000 | 259,868,000 |
| Total loans | 173,603,000 | 188,859,000 | 189,751,000 | 187,142,000 |
| Allowance for loan losses | 4,722,000 | 4,561,000 | 4,450,000 | 4,259,000 |
| Securities available for sale | 9,666,000 | 12,787,000 | 11,248,000 | 9,672,000 |
| Securities held to maturity | 3,684,000 | 3,358,000 | 3,358,000 | 3,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,856,000 | 254,189,000 | 252,188,000 | 243,627,000 |
| Interest-bearing deposits | 226,044,000 | 222,271,000 | 220,394,000 | 212,659,000 |
| Noninterest-bearing deposits | 35,812,000 | 31,918,000 | 31,794,000 | 30,968,000 |
| Equity capital | 11,530,000 | 12,013,000 | 12,503,000 | 13,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,709,000 | 5,421,000 | 8,256,000 | 10,997,000 |
| Interest expense | 340,000 | 668,000 | 968,000 | 1,240,000 |
| Net interest income | 2,369,000 | 4,753,000 | 7,288,000 | 9,757,000 |
| Noninterest income | 439,000 | 934,000 | 1,294,000 | 1,649,000 |
| Noninterest expense | 2,365,000 | 4,777,000 | 7,159,000 | 9,216,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 443,000 | 911,000 | 1,424,000 | 2,191,000 |
| Income tax | 0 | 0 | 0 | -621,000 |
| Net income | 443,000 | 911,000 | 1,424,000 | 2,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,462,000 | 11,931,000 | 12,444,000 | 13,832,000 |
| Total capital | 13,710,000 | 14,358,000 | 14,876,000 | 16,296,000 |
| Risk-weighted assets | 184,980,000 | 198,899,000 | 198,893,000 | 195,360,000 |