Call reports 2002
PEOPLE'S BANK OF OXFORD, THE — 2002
What PEOPLE'S BANK OF OXFORD, THE 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 | 362,300,000 | 381,417,000 | 397,297,000 | 400,834,000 |
| Total loans | 256,967,000 | 274,476,000 | 289,496,000 | 302,161,000 |
| Allowance for loan losses | 4,247,000 | 4,288,000 | 4,418,000 | 4,503,000 |
| Securities available for sale | 60,134,000 | 61,081,000 | 56,633,000 | 55,313,000 |
| Securities held to maturity | 2,745,000 | 2,745,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,566,000 | 302,098,000 | 317,242,000 | 322,183,000 |
| Interest-bearing deposits | 218,859,000 | 226,835,000 | 241,582,000 | 242,222,000 |
| Noninterest-bearing deposits | 72,707,000 | 75,263,000 | 75,660,000 | 79,961,000 |
| Equity capital | 35,710,000 | 36,843,000 | 38,286,000 | 39,228,000 |
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 | 5,450,000 | 11,071,000 | 16,808,000 | 22,570,000 |
| Interest expense | 1,694,000 | 3,355,000 | 5,121,000 | 6,887,000 |
| Net interest income | 3,756,000 | 7,716,000 | 11,687,000 | 15,683,000 |
| Noninterest income | 1,080,000 | 2,103,000 | 3,260,000 | 4,675,000 |
| Noninterest expense | 3,323,000 | 6,678,000 | 10,206,000 | 13,909,000 |
| Provision for loan losses | 90,000 | 180,000 | 330,000 | 480,000 |
| Pretax income | 1,423,000 | 2,961,000 | 4,714,000 | 6,272,000 |
| Income tax | 378,000 | 795,000 | 1,289,000 | 1,724,000 |
| Net income | 1,045,000 | 2,166,000 | 3,425,000 | 4,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,550,000 | 36,049,000 | 37,020,000 | 38,011,000 |
| Total capital | 38,965,000 | 39,684,000 | 40,852,000 | 41,997,000 |
| Risk-weighted assets | 272,394,000 | 290,184,000 | 305,948,000 | 318,351,000 |