Call reports 2025
OXFORD BANK — 2025
What OXFORD BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 823,853,000 | 859,499,000 | 915,302,000 | 1,088,968,000 |
| Total loans | 622,424,000 | 634,925,000 | 662,978,000 | 661,280,000 |
| Allowance for loan losses | 7,272,000 | 7,293,000 | 7,713,000 | 8,035,000 |
| Securities available for sale | 115,768,000 | 116,964,000 | 117,807,000 | 115,768,000 |
| Securities held to maturity | 1,160,000 | 1,160,000 | 1,160,000 | 585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 709,864,000 | 733,757,000 | 794,454,000 | 965,146,000 |
| Interest-bearing deposits | 411,013,000 | 446,176,000 | 510,282,000 | 672,251,000 |
| Noninterest-bearing deposits | 298,851,000 | 287,581,000 | 284,172,000 | 292,895,000 |
| Equity capital | 103,196,000 | 106,699,000 | 109,759,000 | 111,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,451,000 | 25,596,000 | 39,361,000 | 54,299,000 |
| Interest expense | 2,256,000 | 4,649,000 | 7,113,000 | 10,083,000 |
| Net interest income | 10,195,000 | 20,947,000 | 32,248,000 | 44,216,000 |
| Noninterest income | 1,770,000 | 4,019,000 | 5,471,000 | 5,900,000 |
| Noninterest expense | 8,286,000 | 15,917,000 | 23,713,000 | 32,545,000 |
| Provision for loan losses | -538,000 | 760,000 | 1,684,000 | 2,178,000 |
| Pretax income | 4,051,000 | 8,052,000 | 12,145,000 | 15,197,000 |
| Income tax | 735,000 | 1,468,000 | 2,261,000 | 2,621,000 |
| Net income | 2,977,000 | 5,926,000 | 8,931,000 | 11,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,534,000 | 101,626,000 | 103,753,000 | 105,713,000 |
| Total capital | 106,269,000 | 109,452,000 | 111,938,000 | 114,241,000 |
| Risk-weighted assets | 704,361,000 | 711,089,000 | 728,599,000 | 758,344,000 |