Call reports 2023
OXFORD BANK — 2023
What OXFORD BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 821,623,000 | 817,169,000 | 794,300,000 | 816,631,000 |
| Total loans | 465,142,000 | 490,268,000 | 527,973,000 | 542,556,000 |
| Allowance for loan losses | 5,323,000 | 5,571,000 | 6,380,000 | 6,085,000 |
| Securities available for sale | 174,783,000 | 164,305,000 | 152,381,000 | 141,257,000 |
| Securities held to maturity | 1,310,000 | 1,310,000 | 1,310,000 | 1,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,511,000 | 728,542,000 | 702,564,000 | 716,641,000 |
| Interest-bearing deposits | 564,750,000 | 408,810,000 | 391,126,000 | 413,028,000 |
| Noninterest-bearing deposits | 170,761,000 | 319,732,000 | 311,438,000 | 303,613,000 |
| Equity capital | 80,341,000 | 82,546,000 | 84,505,000 | 88,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 9,959,000 | 20,622,000 | 32,256,000 | 43,623,000 |
| Interest expense | 570,000 | 1,844,000 | 3,326,000 | 4,972,000 |
| Net interest income | 9,389,000 | 18,778,000 | 28,930,000 | 38,651,000 |
| Noninterest income | 1,730,000 | 3,060,000 | 4,770,000 | 6,528,000 |
| Noninterest expense | 6,538,000 | 13,121,000 | 19,969,000 | 27,322,000 |
| Provision for loan losses | 0 | 248,000 | 994,000 | 1,919,000 |
| Pretax income | 4,581,000 | 8,543,000 | 12,811,000 | 15,962,000 |
| Income tax | 867,000 | 1,521,000 | 2,438,000 | 2,788,000 |
| Net income | 3,569,000 | 6,857,000 | 10,157,000 | 12,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,655,000 | 82,515,000 | 84,293,000 | 87,777,000 |
| Total capital | 85,424,000 | 88,459,000 | 90,981,000 | 94,210,000 |
| Risk-weighted assets | 543,620,000 | 552,684,000 | 613,520,000 | 634,876,000 |