Call reports 2013
OXFORD BANK — 2013
What OXFORD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 265,882,000 | 260,250,000 | 259,485,000 | 260,752,000 |
| Total loans | 177,645,000 | 176,713,000 | 177,966,000 | 182,725,000 |
| Allowance for loan losses | 3,941,000 | 3,800,000 | 3,800,000 | 3,500,000 |
| Securities available for sale | 8,459,000 | 7,001,000 | 5,888,000 | 5,254,000 |
| Securities held to maturity | 2,958,000 | 2,782,000 | 6,782,000 | 6,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,905,000 | 242,350,000 | 241,496,000 | 243,248,000 |
| Interest-bearing deposits | 215,654,000 | 213,066,000 | 211,250,000 | 214,631,000 |
| Noninterest-bearing deposits | 33,251,000 | 29,284,000 | 30,246,000 | 28,617,000 |
| Equity capital | 14,460,000 | 15,084,000 | 15,541,000 | 15,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,294,000 | 7,875,000 | 10,448,000 |
| Interest expense | 249,000 | 487,000 | 718,000 | 944,000 |
| Net interest income | 2,380,000 | 4,807,000 | 7,157,000 | 9,504,000 |
| Noninterest income | 257,000 | 593,000 | 823,000 | 64,000 |
| Noninterest expense | 2,134,000 | 4,243,000 | 6,339,000 | 9,038,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 503,000 | 1,157,000 | 1,641,000 | 680,000 |
| Income tax | 0 | 3,000 | 8,000 | -747,000 |
| Net income | 503,000 | 1,154,000 | 1,633,000 | 1,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,335,000 | 14,986,000 | 15,464,000 | 15,259,000 |
| Total capital | 16,672,000 | 17,299,000 | 17,803,000 | 17,589,000 |
| Risk-weighted assets | 185,352,000 | 183,517,000 | 185,632,000 | 189,007,000 |