Call reports 2002
OSWEGO COMMUNITY BANK — 2002
What OSWEGO COMMUNITY BANK 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 | 120,147,000 | 137,829,000 | 143,696,000 | 132,286,000 |
| Total loans | 34,453,000 | 37,187,000 | 37,762,000 | 35,656,000 |
| Allowance for loan losses | 402,000 | 406,000 | 394,000 | 393,000 |
| Securities available for sale | 73,326,000 | 75,543,000 | 84,123,000 | 79,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,144,000 | 124,195,000 | 128,654,000 | 118,107,000 |
| Interest-bearing deposits | 90,456,000 | 105,220,000 | 110,633,000 | 97,376,000 |
| Noninterest-bearing deposits | 17,688,000 | 18,975,000 | 18,021,000 | 20,731,000 |
| Equity capital | 10,989,000 | 12,180,000 | 13,282,000 | 12,565,000 |
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 | 1,713,000 | 3,379,000 | 5,136,000 | 6,940,000 |
| Interest expense | 566,000 | 1,104,000 | 1,642,000 | 2,165,000 |
| Net interest income | 1,147,000 | 2,275,000 | 3,494,000 | 4,775,000 |
| Noninterest income | 146,000 | 302,000 | 468,000 | 623,000 |
| Noninterest expense | 726,000 | 1,490,000 | 2,167,000 | 3,203,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 564,000 | 1,081,000 | 1,786,000 | 2,183,000 |
| Income tax | 130,000 | 237,000 | 406,000 | 448,000 |
| Net income | 434,000 | 844,000 | 1,380,000 | 1,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,668,000 | 11,079,000 | 11,614,000 | 10,970,000 |
| Total capital | 11,070,000 | 11,485,000 | 12,008,000 | 11,363,000 |
| Risk-weighted assets | 39,833,000 | 44,487,000 | 47,377,000 | 43,709,000 |
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