Call reports 2015
OXFORD BANK — 2015
What OXFORD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 282,174,000 | 303,719,000 | 322,589,000 | 318,409,000 |
| Total loans | 201,146,000 | 201,708,000 | 202,121,000 | 212,138,000 |
| Allowance for loan losses | 3,308,000 | 3,280,000 | 3,178,000 | 3,210,000 |
| Securities available for sale | 3,002,000 | 2,559,000 | 2,271,000 | 2,035,000 |
| Securities held to maturity | 1,430,000 | 1,430,000 | 1,430,000 | 1,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,219,000 | 275,826,000 | 293,835,000 | 285,587,000 |
| Interest-bearing deposits | 224,237,000 | 240,086,000 | 259,465,000 | 234,369,000 |
| Noninterest-bearing deposits | 30,982,000 | 35,740,000 | 34,370,000 | 51,218,000 |
| Equity capital | 26,027,000 | 26,675,000 | 27,855,000 | 31,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,650,000 | 5,306,000 | 7,971,000 | 10,765,000 |
| Interest expense | 157,000 | 317,000 | 479,000 | 637,000 |
| Net interest income | 2,493,000 | 4,989,000 | 7,492,000 | 10,128,000 |
| Noninterest income | 268,000 | 505,000 | 718,000 | 749,000 |
| Noninterest expense | 1,969,000 | 4,155,000 | 6,391,000 | 8,723,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 830,000 | 1,377,000 | 1,857,000 | 2,192,000 |
| Income tax | 198,000 | 380,000 | 551,000 | 671,000 |
| Net income | 632,000 | 997,000 | 1,306,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,693,000 | 22,376,000 | 23,697,000 | 27,853,000 |
| Total capital | 24,273,000 | 24,964,000 | 26,348,000 | 30,664,000 |
| Risk-weighted assets | 203,145,000 | 203,772,000 | 209,065,000 | 222,030,000 |