Call reports 2001
STATE BANK OF OXFORD — 2001
What STATE BANK OF OXFORD reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 69,964,000 | 75,810,000 | 70,516,000 | 71,734,000 |
| Total loans | 42,601,000 | 44,107,000 | 46,604,000 | 47,948,000 |
| Allowance for loan losses | 636,000 | 640,000 | 644,000 | 618,000 |
| Securities available for sale | 19,912,000 | 18,924,000 | 17,814,000 | 17,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,002,000 | 65,380,000 | 59,718,000 | 60,852,000 |
| Interest-bearing deposits | 52,927,000 | 58,865,000 | 53,217,000 | 53,185,000 |
| Noninterest-bearing deposits | 7,075,000 | 6,515,000 | 6,501,000 | 7,667,000 |
| Equity capital | 6,999,000 | 7,129,000 | 7,309,000 | 7,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,230,000 | 2,483,000 | 3,704,000 | 4,904,000 |
| Interest expense | 564,000 | 1,104,000 | 1,614,000 | 2,065,000 |
| Net interest income | 666,000 | 1,379,000 | 2,090,000 | 2,839,000 |
| Noninterest income | 84,000 | 171,000 | 346,000 | 436,000 |
| Noninterest expense | 602,000 | 1,161,000 | 1,763,000 | 2,385,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 154,000 | 392,000 | 672,000 | 886,000 |
| Income tax | 32,000 | 98,000 | 182,000 | 245,000 |
| Net income | 122,000 | 294,000 | 490,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,779,000 | 6,901,000 | 6,959,000 | 6,972,000 |
| Total capital | 7,360,000 | 7,502,000 | 7,578,000 | 7,590,000 |
| Risk-weighted assets | 46,404,000 | 48,049,000 | 49,513,000 | 50,094,000 |