Call reports 2014
OXFORD BANK — 2014
What OXFORD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 271,604,000 | 262,772,000 | 263,440,000 | 262,133,000 |
| Total loans | 182,685,000 | 183,125,000 | 187,248,000 | 204,614,000 |
| Allowance for loan losses | 3,469,000 | 3,470,000 | 3,430,000 | 3,426,000 |
| Securities available for sale | 4,892,000 | 4,405,000 | 3,884,000 | 3,424,000 |
| Securities held to maturity | 6,512,000 | 6,512,000 | 2,511,000 | 2,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,427,000 | 243,994,000 | 245,139,000 | 237,375,000 |
| Interest-bearing deposits | 221,850,000 | 213,482,000 | 213,615,000 | 208,725,000 |
| Noninterest-bearing deposits | 31,578,000 | 30,512,000 | 31,524,000 | 28,650,000 |
| Equity capital | 16,244,000 | 16,626,000 | 17,122,000 | 23,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,547,000 | 5,068,000 | 7,627,000 | 10,257,000 |
| Interest expense | 214,000 | 427,000 | 631,000 | 816,000 |
| Net interest income | 2,333,000 | 4,641,000 | 6,996,000 | 9,441,000 |
| Noninterest income | 286,000 | 522,000 | 761,000 | 532,000 |
| Noninterest expense | 1,689,000 | 3,816,000 | 5,947,000 | 8,472,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 915,000 | 1,317,000 | 1,780,000 | 1,471,000 |
| Income tax | 4,000 | 8,000 | -36,000 | -6,340,000 |
| Net income | 911,000 | 1,309,000 | 1,816,000 | 7,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,169,000 | 16,567,000 | 17,074,000 | 17,858,000 |
| Total capital | 18,520,000 | 18,924,000 | 19,447,000 | 20,486,000 |
| Risk-weighted assets | 186,998,000 | 187,453,000 | 188,818,000 | 209,449,000 |