Call reports 2020
OXFORD BANK — 2020
What OXFORD BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 513,484,000 | 751,129,000 | 723,691,000 | 698,124,000 |
| Total loans | 339,222,000 | 559,098,000 | 566,030,000 | 541,978,000 |
| Allowance for loan losses | 3,668,000 | 4,236,000 | 4,813,000 | 4,897,000 |
| Securities available for sale | 66,222,000 | 65,618,000 | 74,918,000 | 91,228,000 |
| Securities held to maturity | 135,000 | 135,000 | 135,000 | 1,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,655,000 | 601,083,000 | 592,636,000 | 588,047,000 |
| Interest-bearing deposits | 362,665,000 | 451,311,000 | 445,371,000 | 446,165,000 |
| Noninterest-bearing deposits | 99,990,000 | 149,772,000 | 147,265,000 | 141,882,000 |
| Equity capital | 48,607,000 | 51,002,000 | 52,836,000 | 55,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,213,000 | 10,978,000 | 16,902,000 | 23,168,000 |
| Interest expense | 558,000 | 1,062,000 | 1,543,000 | 1,940,000 |
| Net interest income | 4,655,000 | 9,916,000 | 15,359,000 | 21,228,000 |
| Noninterest income | 890,000 | 1,441,000 | 2,129,000 | 3,049,000 |
| Noninterest expense | 3,770,000 | 6,815,000 | 10,297,000 | 13,900,000 |
| Provision for loan losses | 0 | 570,000 | 1,140,000 | 1,440,000 |
| Pretax income | 1,777,000 | 4,016,000 | 6,101,000 | 8,987,000 |
| Income tax | 373,000 | 843,000 | 1,282,000 | 1,886,000 |
| Net income | 1,404,000 | 3,173,000 | 4,819,000 | 7,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,553,000 | 49,305,000 | 51,043,000 | 53,292,000 |
| Total capital | 51,221,000 | 53,541,000 | 55,732,000 | 58,087,000 |
| Risk-weighted assets | 365,127,000 | 363,012,000 | 375,036,000 | 383,550,000 |