Call reports 2016
OXFORD BANK — 2016
What OXFORD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 328,033,000 | 327,576,000 | 359,152,000 | 346,751,000 |
| Total loans | 223,545,000 | 239,680,000 | 248,737,000 | 264,767,000 |
| Allowance for loan losses | 3,271,000 | 3,244,000 | 3,319,000 | 3,317,000 |
| Securities available for sale | 1,830,000 | 20,202,000 | 21,765,000 | 24,447,000 |
| Securities held to maturity | 1,140,000 | 1,140,000 | 1,140,000 | 1,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,246,000 | 293,376,000 | 324,121,000 | 311,843,000 |
| Interest-bearing deposits | 242,401,000 | 236,653,000 | 266,714,000 | 249,807,000 |
| Noninterest-bearing deposits | 51,845,000 | 56,723,000 | 57,406,000 | 62,036,000 |
| Equity capital | 32,821,000 | 33,267,000 | 33,975,000 | 34,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,886,000 | 5,912,000 | 9,260,000 | 12,692,000 |
| Interest expense | 157,000 | 311,000 | 458,000 | 595,000 |
| Net interest income | 2,729,000 | 5,601,000 | 8,802,000 | 12,097,000 |
| Noninterest income | 347,000 | 422,000 | 1,167,000 | 1,305,000 |
| Noninterest expense | 2,341,000 | 4,967,000 | 7,881,000 | 10,611,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 735,000 | 1,056,000 | 2,088,000 | 2,791,000 |
| Income tax | 241,000 | 337,000 | 669,000 | 907,000 |
| Net income | 494,000 | 719,000 | 1,419,000 | 1,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,093,000 | 29,200,000 | 30,201,000 | 30,862,000 |
| Total capital | 31,988,000 | 32,300,000 | 33,424,000 | 34,179,000 |
| Risk-weighted assets | 229,775,000 | 246,266,000 | 256,323,000 | 276,182,000 |