Call reports 2005
STATE BANK OF OXFORD — 2005
What STATE BANK OF OXFORD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 70,854,000 | 71,047,000 | 69,184,000 |
| Total loans | 44,359,000 | 44,612,000 | 43,548,000 |
| Allowance for loan losses | 683,000 | 696,000 | 700,000 |
| Securities available for sale | 17,632,000 | 18,162,000 | 18,399,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 61,040,000 | 61,072,000 | 58,742,000 |
| Interest-bearing deposits | 53,330,000 | 53,216,000 | 50,277,000 |
| Noninterest-bearing deposits | 7,710,000 | 7,856,000 | 8,465,000 |
| Equity capital | 7,569,000 | 7,675,000 | 7,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Interest income | 877,000 | 1,797,000 | 2,693,000 |
| Interest expense | 205,000 | 437,000 | 673,000 |
| Net interest income | 672,000 | 1,360,000 | 2,020,000 |
| Noninterest income | 94,000 | 182,000 | 278,000 |
| Noninterest expense | 597,000 | 1,181,000 | 1,860,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 |
| Pretax income | 166,000 | 355,000 | 432,000 |
| Income tax | 46,000 | 98,000 | 106,000 |
| Net income | 120,000 | 257,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 7,628,000 | 7,716,000 | 7,637,000 |
| Total capital | 8,245,000 | 8,346,000 | 8,248,000 |
| Risk-weighted assets | 49,276,000 | 50,326,000 | 48,778,000 |