Call reports 2024
OXFORD BANK — 2024
What OXFORD BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 883,168,000 | 821,196,000 | 870,472,000 | 811,433,000 |
| Total loans | 562,304,000 | 595,237,000 | 596,920,000 | 613,403,000 |
| Allowance for loan losses | 6,202,000 | 6,732,000 | 6,967,000 | 8,613,000 |
| Securities available for sale | 127,978,000 | 119,616,000 | 113,261,000 | 111,411,000 |
| Securities held to maturity | 1,170,000 | 1,170,000 | 1,170,000 | 1,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 781,949,000 | 705,458,000 | 759,556,000 | 699,084,000 |
| Interest-bearing deposits | 468,015,000 | 426,267,000 | 470,828,000 | 413,007,000 |
| Noninterest-bearing deposits | 313,934,000 | 279,191,000 | 288,728,000 | 286,077,000 |
| Equity capital | 91,993,000 | 94,545,000 | 99,096,000 | 99,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 12,362,000 | 25,132,000 | 37,923,000 | 51,316,000 |
| Interest expense | 1,942,000 | 4,123,000 | 6,703,000 | 9,289,000 |
| Net interest income | 10,420,000 | 21,009,000 | 31,220,000 | 42,027,000 |
| Noninterest income | 1,651,000 | 3,284,000 | 4,922,000 | 6,574,000 |
| Noninterest expense | 7,514,000 | 15,538,000 | 23,188,000 | 31,229,000 |
| Provision for loan losses | 31,000 | 1,322,000 | 1,669,000 | 3,326,000 |
| Pretax income | 4,600,000 | 7,541,000 | 11,416,000 | 14,098,000 |
| Income tax | 860,000 | 1,549,000 | 2,224,000 | 2,769,000 |
| Net income | 3,427,000 | 5,848,000 | 8,745,000 | 10,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,053,000 | 92,044,000 | 94,501,000 | 95,970,000 |
| Total capital | 96,530,000 | 99,016,000 | 101,685,000 | 104,582,000 |
| Risk-weighted assets | 663,428,000 | 677,471,000 | 683,173,000 | 688,712,000 |