Call reports 2003
OSWEGO COMMUNITY BANK — 2003
What OSWEGO COMMUNITY BANK 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 | 133,832,000 | 149,343,000 | 158,999,000 | 153,745,000 |
| Total loans | 34,338,000 | 35,711,000 | 36,290,000 | 36,302,000 |
| Allowance for loan losses | 396,000 | 390,000 | 386,000 | 383,000 |
| Securities available for sale | 90,478,000 | 97,740,000 | 99,519,000 | 110,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,297,000 | 134,064,000 | 143,988,000 | 138,628,000 |
| Interest-bearing deposits | 100,496,000 | 114,791,000 | 124,303,000 | 117,750,000 |
| Noninterest-bearing deposits | 18,801,000 | 19,273,000 | 19,685,000 | 20,878,000 |
| Equity capital | 12,969,000 | 13,657,000 | 13,596,000 | 13,043,000 |
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 | 1,697,000 | 3,217,000 | 4,698,000 | 6,385,000 |
| Interest expense | 462,000 | 914,000 | 1,306,000 | 1,729,000 |
| Net interest income | 1,235,000 | 2,303,000 | 3,392,000 | 4,656,000 |
| Noninterest income | 157,000 | 310,000 | 471,000 | 624,000 |
| Noninterest expense | 726,000 | 1,497,000 | 2,209,000 | 3,292,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 663,000 | 1,110,000 | 1,645,000 | 1,976,000 |
| Income tax | 136,000 | 187,000 | 224,000 | 203,000 |
| Net income | 527,000 | 923,000 | 1,421,000 | 1,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,496,000 | 11,892,000 | 12,391,000 | 11,743,000 |
| Total capital | 11,892,000 | 12,282,000 | 12,777,000 | 12,126,000 |
| Risk-weighted assets | 43,305,000 | 48,404,000 | 51,879,000 | 51,174,000 |
Machine access — free, no API key
Every figure shown here about OSWEGO COMMUNITY BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.