Oxford University Bank in Oxford, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Oxford University Bank in Oxford, Mississippi (MS)
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Oxford University Bank - Overview

  • General
  • FDIC Certificate #: 57034
    Status: Active
    Federal Reserve ID: 2938769
    Bank Holding Company (Regulatory Top Holder): Lafayette Bancorp, Inc. (RSSDID: 3260551, Location: Oxford, MS)
    Date Established: November 27, 2000
    WWW: http://www.oubol.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 334373
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 27, 2000
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1550 University Avenue, Oxford, MS 38655
    County: Lafayette
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Oxford, MS (#37060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.7 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $81.8 mil
    Return on assets (ROA): -0.09% (-$0.1 mil)
    Quarterly return on assets: 0.46% ($0.4 mil)
    Return on Equity (ROE): -0.89% (-$0.1 mil)
    Quarterly return on equity: 4.91% ($0.4 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.18% (-$168.6 mil)
    Quarterly Pretax return on assets: 0.77% ($721.3 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 29Total employees (full-time equivalent)
  • $93,670Total assets
  • $2,153Cash and due from depository institutions
  • $807Interest-bearing balances
  • $16,166Securities
  • $2,225Federal funds sold & reverse repurchase agreements
  • $66,083Net loans & leases
  • $684Loan loss allowance
  • $0Trading account assets
  • $3,668Bank premises and fixed assets
  • $390Other real estate owned
  • $0Goodwill and other intangibles
  • $93,670Life insurance assets
  • $2,985All other assets
  • $84,917Total liabilities and capital
  • $81,769Total liabilities
  • $68,996Total deposits
  • $81,769Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 633.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,137Trading liabilities
  • $0Other borrowed funds
  • $378Subordinated debt
  • $8,753All other liabilities
  • $8,753Total equity capital
  • $8,753Total bank equity capital
  • $0Perpetual preferred stock
  • $2,581Common stock
  • $5,994Surplus
  • $178Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $225Income earned, not collected on loans
  • $0Earning assets
  • $510Long-term assets (5+ years)
  • $85,281Average Assets, year-to-date
  • $6,174Average Assets, quarterly
  • $93,114Volatile liabilities
  • $93,218Insider loans
  • $62,972FHLB advances
  • $93,431Loans and leases held for sale
  • $1,547Unused loan commitments
  • $1,547Tier 1 (core) risk-based capital
  • $8,642Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,514Restructured Loans and leases
  • $2,238Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,205Total interest income
  • $959Total interest expense
  • $3,246Net interest income
  • $0Provision for loan and lease losses
  • $460Total noninterest income
  • $0Fiduciary activities
  • $285Service charges on deposit accounts
  • $0Trading account gains & fees
  • $175Additional noninterest income
  • $3,073Total noninterest expense
  • $1,595Salaries and employee benefits
  • $485Premises and equipment expense
  • $993Additional noninterest expense
  • $633Pre-tax net operating income
  • -$800Securities gains (losses)
  • -$87Applicable income taxes
  • -$80Income before extraordinary items
  • $0Extraordinary gains - net
  • -$80Net income attributable to bank
  • $0Net charge-offs
  • -$80Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • -0.09%Return on assets (ROA)
  • -0.18%Pretax return on assets
  • -0.89%Return on equity (ROE)
  • -0.89%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 26.38%Efficiency ratio
  • 82,920Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 304.00%Noncurrent assets plus other real estate owned to assets
  • 0.66%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 80.82%Net loans and leases to core deposits
  • 87.95%Equity capital to assets
  • 9.34%Core capital (leverage) ratio
  • 9.25%Tier 1 risk-based capital ratio
  • 13.72%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $93,114Average earning assets
  • $9,008Average equity
  • $83,896Average loans

List of branches

  • 5 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0334373Oxford University Bank1550 University Avenue, Oxford, MS 38655November 27, 2000Full Service Brick and Mortar
    1433580West Jackson Avenue Branch2301 West Jackson Avenue, Oxford, MS 38655December 27, 2004Full Service Brick and Mortar
    2472675Bank Of Pontotoc, Lpo, A Subsidiary Of Oxford University Bank25 South Liberty Street, Pontotoc, MS 38863March 01, 2008Limited Service Loan Production
    3507367Oxford University Bank602 S. 16th Street, Oxford, MS 38655March 16, 2010Limited Service Loan Production
    4518120Bank Of Pontotoc1882 Highway 15, Pontotoc, MS 38863January 18, 2011Full Service Brick and Mortar

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