Call reports 2004
STATE BANK OF OXFORD — 2004
What STATE BANK OF OXFORD reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 70,587,000 | 69,906,000 | 69,271,000 | 68,998,000 |
| Total loans | 44,217,000 | 44,025,000 | 44,116,000 | 45,488,000 |
| Allowance for loan losses | 671,000 | 682,000 | 674,000 | 679,000 |
| Securities available for sale | 17,976,000 | 19,718,000 | 18,805,000 | 16,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,502,000 | 60,175,000 | 59,115,000 | 59,367,000 |
| Interest-bearing deposits | 52,785,000 | 52,298,000 | 51,346,000 | 51,266,000 |
| Noninterest-bearing deposits | 7,717,000 | 7,877,000 | 7,769,000 | 8,101,000 |
| Equity capital | 7,760,000 | 7,629,000 | 7,705,000 | 7,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 870,000 | 1,774,000 | 2,640,000 | 3,498,000 |
| Interest expense | 178,000 | 356,000 | 536,000 | 726,000 |
| Net interest income | 692,000 | 1,418,000 | 2,104,000 | 2,772,000 |
| Noninterest income | 87,000 | 181,000 | 279,000 | 372,000 |
| Noninterest expense | 627,000 | 1,218,000 | 1,833,000 | 2,441,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 9,000 |
| Pretax income | 160,000 | 386,000 | 552,000 | 708,000 |
| Income tax | 45,000 | 114,000 | 160,000 | 188,000 |
| Net income | 115,000 | 272,000 | 392,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,498,000 | 7,606,000 | 7,577,000 | 7,558,000 |
| Total capital | 8,121,000 | 8,239,000 | 8,189,000 | 8,179,000 |
| Risk-weighted assets | 49,789,000 | 50,602,000 | 48,936,000 | 49,653,000 |