PackageTrendsPeer
Letter portraitLegal landscape

Oxford Employees

Gaffney, SC · Charter 60764

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oxford Employees

Gaffney, SC · Charter 60764

Q4 2007

$738KAssets
$427KLoans
$639KShares
$99KNet Worth

Executive Summary

  • Earnings: ROA of -18.95%, down 1,973 bps year over year; NIM at -13.94%.
  • Asset quality: problem loans at 0.07% of loans (-6 bps YoY).
  • Capital: net worth / assets of 13.41%, down 1,666 bps from a year ago.
  • Funding: loans stand at 66.82% of shares as of Q4 2007.

Return on Assets (YTD, annualized)

-18.95%-1,973 bps YoY

Net Interest Margin (YTD, annualized)

-13.94%-1,885 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.41%-1,666 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.80%0.88%0.80%0.77%1.32%1.07%0.64%-18.95%-1,973 bps
Return on Equity2.67%2.96%2.73%2.57%4.16%3.42%1.97%-141.33%-14,390 bps
Net Interest Margin4.75%4.90%4.79%4.90%5.25%4.94%4.35%-13.94%-1,885 bps
Efficiency Ratio81.11%78.93%79.46%77.26%64.90%65.41%73.27%n/an/a
Growth
Asset Growth (YoY)-1.82%-1.51%-0.05%1.88%-3.42%-1.69%-5.81%-5.90%-778 bps
Loan Growth (YoY)13.55%2.44%-4.79%-2.83%-11.09%0.75%-2.18%-9.46%-664 bps
Share Growth (YoY)-3.70%-3.66%-1.84%0.89%-6.97%-4.15%-10.08%18.19%+1,730 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.76%0.13%0.14%0.62%5.89%0.07%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.13%2.38%2.50%2.75%3.19%3.36%3.59%5.50%+275 bps
Capital
Risk-Based Capital29.80%29.78%29.36%30.07%31.79%31.17%32.21%13.41%-1,666 bps
Net Worth / Assets29.80%29.78%29.36%30.07%31.79%31.17%32.21%13.41%-1,666 bps
Liquidity & Funding
Loans / Shares91.00%83.80%81.58%87.23%86.96%88.09%88.75%66.82%-2,041 bps
Liquid Assets / Assets35.60%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps