Call reports 2003
STATE BANK OF OXFORD — 2003
What STATE BANK OF OXFORD reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 70,306,000 | 70,364,000 | 68,089,000 | 68,548,000 |
| Total loans | 44,256,000 | 45,591,000 | 45,354,000 | 45,676,000 |
| Allowance for loan losses | 690,000 | 667,000 | 676,000 | 670,000 |
| Securities available for sale | 19,364,000 | 18,646,000 | 17,593,000 | 15,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,176,000 | 59,972,000 | 58,218,000 | 58,516,000 |
| Interest-bearing deposits | 53,756,000 | 52,212,000 | 50,657,000 | 50,393,000 |
| Noninterest-bearing deposits | 6,420,000 | 7,760,000 | 7,561,000 | 8,123,000 |
| Equity capital | 7,722,000 | 7,853,000 | 7,769,000 | 7,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 1,988,000 | 2,923,000 | 3,832,000 |
| Interest expense | 285,000 | 529,000 | 724,000 | 906,000 |
| Net interest income | 714,000 | 1,459,000 | 2,199,000 | 2,926,000 |
| Noninterest income | 77,000 | 170,000 | 281,000 | 302,000 |
| Noninterest expense | 624,000 | 1,228,000 | 1,830,000 | 2,446,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 164,000 | 395,000 | 648,000 | 780,000 |
| Income tax | 41,000 | 110,000 | 189,000 | 223,000 |
| Net income | 123,000 | 285,000 | 459,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,345,000 | 7,457,000 | 7,482,000 | 7,432,000 |
| Total capital | 7,953,000 | 8,081,000 | 8,104,000 | 8,059,000 |
| Risk-weighted assets | 48,526,000 | 49,858,000 | 49,703,000 | 50,109,000 |