Call reports 2022
OXFORD BANK — 2022
What OXFORD BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 786,246,000 | 807,506,000 | 784,964,000 | 792,571,000 |
| Total loans | 393,113,000 | 427,317,000 | 410,981,000 | 450,807,000 |
| Allowance for loan losses | 5,469,000 | 5,624,000 | 5,619,000 | 5,628,000 |
| Securities available for sale | 130,689,000 | 170,278,000 | 195,315,000 | 186,316,000 |
| Securities held to maturity | 1,320,000 | 1,320,000 | 1,320,000 | 1,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 711,378,000 | 732,678,000 | 706,974,000 | 712,409,000 |
| Interest-bearing deposits | 543,413,000 | 557,537,000 | 538,380,000 | 529,622,000 |
| Noninterest-bearing deposits | 167,965,000 | 175,141,000 | 168,594,000 | 182,787,000 |
| Equity capital | 72,604,000 | 71,879,000 | 72,424,000 | 75,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,481,000 | 12,806,000 | 21,156,000 | 31,008,000 |
| Interest expense | 217,000 | 451,000 | 760,000 | 1,233,000 |
| Net interest income | 5,264,000 | 12,355,000 | 20,396,000 | 29,775,000 |
| Noninterest income | 999,000 | 1,970,000 | 3,073,000 | 4,347,000 |
| Noninterest expense | 4,692,000 | 10,087,000 | 15,846,000 | 22,172,000 |
| Provision for loan losses | 0 | 120,000 | 120,000 | 150,000 |
| Pretax income | 1,573,000 | 4,120,000 | 7,505,000 | 11,802,000 |
| Income tax | 300,000 | 835,000 | 1,399,000 | 2,119,000 |
| Net income | 1,273,000 | 3,285,000 | 6,070,000 | 9,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,490,000 | 70,601,000 | 72,988,000 | 76,162,000 |
| Total capital | 80,674,000 | 76,148,000 | 78,607,000 | 81,790,000 |
| Risk-weighted assets | 414,456,000 | 443,758,000 | 466,653,000 | 495,532,000 |