Call reports 2018
OXFORD BANK — 2018
What OXFORD BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 416,669,000 | 430,697,000 | 437,431,000 | 457,362,000 |
| Total loans | 296,439,000 | 300,008,000 | 302,472,000 | 322,670,000 |
| Allowance for loan losses | 3,450,000 | 3,043,000 | 3,126,000 | 3,224,000 |
| Securities available for sale | 29,287,000 | 46,124,000 | 58,045,000 | 59,989,000 |
| Securities held to maturity | 725,000 | 725,000 | 725,000 | 720,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,305,000 | 391,561,000 | 396,772,000 | 415,158,000 |
| Interest-bearing deposits | 325,117,000 | 341,227,000 | 343,446,000 | 363,719,000 |
| Noninterest-bearing deposits | 53,188,000 | 50,334,000 | 53,326,000 | 51,439,000 |
| Equity capital | 37,459,000 | 38,145,000 | 39,514,000 | 41,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,179,000 | 8,482,000 | 13,400,000 | 18,441,000 |
| Interest expense | 265,000 | 634,000 | 1,091,000 | 1,632,000 |
| Net interest income | 3,914,000 | 7,848,000 | 12,309,000 | 16,809,000 |
| Noninterest income | 933,000 | 1,724,000 | 2,899,000 | 3,577,000 |
| Noninterest expense | 3,536,000 | 7,282,000 | 11,165,000 | 15,056,000 |
| Provision for loan losses | 0 | 0 | 120,000 | 210,000 |
| Pretax income | 1,311,000 | 2,290,000 | 3,923,000 | 5,120,000 |
| Income tax | 244,000 | 478,000 | 803,000 | 1,038,000 |
| Net income | 1,067,000 | 1,812,000 | 3,120,000 | 4,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,473,000 | 37,265,000 | 38,990,000 | 40,570,000 |
| Total capital | 39,923,000 | 40,308,000 | 42,116,000 | 43,794,000 |
| Risk-weighted assets | 300,684,000 | 320,302,000 | 322,324,000 | 342,846,000 |