Call reports 2021
OXFORD BANK — 2021
What OXFORD BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 756,825,000 | 723,698,000 | 729,279,000 | 750,741,000 |
| Total loans | 580,844,000 | 526,790,000 | 464,461,000 | 416,603,000 |
| Allowance for loan losses | 5,055,000 | 5,082,000 | 5,084,000 | 5,474,000 |
| Securities available for sale | 89,402,000 | 88,865,000 | 89,930,000 | 137,482,000 |
| Securities held to maturity | 1,455,000 | 1,455,000 | 1,455,000 | 1,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 676,041,000 | 647,966,000 | 651,188,000 | 672,312,000 |
| Interest-bearing deposits | 503,922,000 | 491,787,000 | 496,348,000 | 505,915,000 |
| Noninterest-bearing deposits | 172,119,000 | 156,179,000 | 154,840,000 | 166,397,000 |
| Equity capital | 57,865,000 | 61,321,000 | 74,033,000 | 74,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,045,000 | 13,586,000 | 20,153,000 | 26,356,000 |
| Interest expense | 358,000 | 680,000 | 982,000 | 1,267,000 |
| Net interest income | 6,687,000 | 12,906,000 | 19,171,000 | 25,089,000 |
| Noninterest income | 780,000 | 2,797,000 | 3,748,000 | 4,643,000 |
| Noninterest expense | 3,372,000 | 7,457,000 | 11,418,000 | 15,239,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 550,000 |
| Pretax income | 3,945,000 | 8,096,000 | 11,351,000 | 13,977,000 |
| Income tax | 829,000 | 1,700,000 | 2,383,000 | 2,932,000 |
| Net income | 3,116,000 | 6,396,000 | 8,968,000 | 11,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,531,000 | 59,776,000 | 72,440,000 | 74,124,000 |
| Total capital | 61,586,000 | 64,858,000 | 77,524,000 | 79,486,000 |
| Risk-weighted assets | 409,956,000 | 431,406,000 | 438,090,000 | 428,896,000 |