Call reports 2003
PEOPLE'S BANK OF OXFORD, THE — 2003
What PEOPLE'S BANK OF OXFORD, THE 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 | 427,617,000 | 443,879,000 | 448,549,000 | 451,387,000 |
| Total loans | 308,151,000 | 330,003,000 | 340,683,000 | 358,665,000 |
| Allowance for loan losses | 4,635,000 | 4,761,000 | 4,894,000 | 4,972,000 |
| Securities available for sale | 53,001,000 | 56,419,000 | 63,977,000 | 58,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,311,000 | 360,167,000 | 361,890,000 | 368,254,000 |
| Interest-bearing deposits | 254,457,000 | 265,704,000 | 273,067,000 | 273,408,000 |
| Noninterest-bearing deposits | 84,854,000 | 94,463,000 | 88,823,000 | 94,846,000 |
| Equity capital | 39,807,000 | 41,271,000 | 41,665,000 | 42,299,000 |
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 | 5,531,000 | 11,110,000 | 16,831,000 | 22,574,000 |
| Interest expense | 1,577,000 | 3,123,000 | 4,572,000 | 5,948,000 |
| Net interest income | 3,954,000 | 7,987,000 | 12,259,000 | 16,626,000 |
| Noninterest income | 1,322,000 | 2,711,000 | 4,173,000 | 5,323,000 |
| Noninterest expense | 3,487,000 | 7,113,000 | 10,703,000 | 14,489,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,639,000 | 3,294,000 | 5,300,000 | 6,884,000 |
| Income tax | 472,000 | 947,000 | 1,531,000 | 1,977,000 |
| Net income | 1,167,000 | 2,347,000 | 3,769,000 | 4,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,679,000 | 39,821,000 | 40,681,000 | 41,340,000 |
| Total capital | 42,860,000 | 44,347,000 | 45,352,000 | 46,179,000 |
| Risk-weighted assets | 334,059,000 | 361,856,000 | 373,428,000 | 386,960,000 |