Call reports 2002
STATE BANK OF OXFORD — 2002
What STATE BANK OF OXFORD reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 72,158,000 | 70,952,000 | 70,098,000 | 69,748,000 |
| Total loans | 47,289,000 | 47,119,000 | 47,155,000 | 45,784,000 |
| Allowance for loan losses | 624,000 | 694,000 | 674,000 | 679,000 |
| Securities available for sale | 17,683,000 | 17,775,000 | 17,729,000 | 18,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,127,000 | 60,647,000 | 59,528,000 | 59,323,000 |
| Interest-bearing deposits | 54,711,000 | 53,225,000 | 52,463,000 | 51,789,000 |
| Noninterest-bearing deposits | 6,416,000 | 7,422,000 | 7,065,000 | 7,534,000 |
| Equity capital | 7,317,000 | 7,565,000 | 7,667,000 | 7,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,305,000 | 3,410,000 | 4,464,000 |
| Interest expense | 381,000 | 740,000 | 1,089,000 | 1,409,000 |
| Net interest income | 763,000 | 1,565,000 | 2,321,000 | 3,055,000 |
| Noninterest income | 75,000 | 163,000 | 252,000 | 344,000 |
| Noninterest expense | 584,000 | 1,185,000 | 1,809,000 | 2,421,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 266,000 | 552,000 | 770,000 | 981,000 |
| Income tax | 79,000 | 166,000 | 229,000 | 287,000 |
| Net income | 187,000 | 386,000 | 541,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,110,000 | 7,259,000 | 7,266,000 | 7,271,000 |
| Total capital | 7,731,000 | 7,869,000 | 7,903,000 | 7,885,000 |
| Risk-weighted assets | 49,646,000 | 48,752,000 | 50,838,000 | 49,024,000 |