Call reports 2019
OXFORD BANK — 2019
What OXFORD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 455,594,000 | 461,158,000 | 476,795,000 | 505,273,000 |
| Total loans | 327,689,000 | 333,229,000 | 327,762,000 | 341,801,000 |
| Allowance for loan losses | 3,364,000 | 3,513,000 | 3,505,000 | 3,660,000 |
| Securities available for sale | 58,399,000 | 52,880,000 | 52,000,000 | 66,799,000 |
| Securities held to maturity | 440,000 | 440,000 | 440,000 | 430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,060,000 | 415,641,000 | 428,985,000 | 456,103,000 |
| Interest-bearing deposits | 354,722,000 | 362,268,000 | 348,845,000 | 380,586,000 |
| Noninterest-bearing deposits | 57,338,000 | 53,373,000 | 80,140,000 | 75,517,000 |
| Equity capital | 42,289,000 | 43,989,000 | 45,477,000 | 46,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,064,000 | 10,336,000 | 15,805,000 | 21,097,000 |
| Interest expense | 631,000 | 1,310,000 | 2,073,000 | 2,691,000 |
| Net interest income | 4,433,000 | 9,026,000 | 13,732,000 | 18,406,000 |
| Noninterest income | 905,000 | 1,798,000 | 2,925,000 | 3,966,000 |
| Noninterest expense | 4,016,000 | 7,846,000 | 11,666,000 | 15,326,000 |
| Provision for loan losses | 135,000 | 270,000 | 270,000 | 270,000 |
| Pretax income | 1,190,000 | 2,711,000 | 4,724,000 | 6,779,000 |
| Income tax | 255,000 | 560,000 | 993,000 | 1,424,000 |
| Net income | 935,000 | 2,151,000 | 3,731,000 | 5,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,995,000 | 43,297,000 | 44,677,000 | 46,099,000 |
| Total capital | 45,359,000 | 46,810,000 | 48,182,000 | 49,759,000 |
| Risk-weighted assets | 349,783,000 | 361,992,000 | 361,778,000 | 361,577,000 |