Call reports 2004
OSWEGO COMMUNITY BANK — 2004
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 148,591,000 | 158,379,000 | 174,252,000 | 160,825,000 |
| Total loans | 35,810,000 | 38,571,000 | 38,628,000 | 38,945,000 |
| Allowance for loan losses | 387,000 | 370,000 | 374,000 | 376,000 |
| Securities available for sale | 104,234,000 | 102,293,000 | 111,994,000 | 114,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,941,000 | 145,253,000 | 152,818,000 | 137,088,000 |
| Interest-bearing deposits | 112,320,000 | 122,836,000 | 130,801,000 | 115,298,000 |
| Noninterest-bearing deposits | 20,621,000 | 22,417,000 | 22,017,000 | 21,790,000 |
| Equity capital | 14,054,000 | 12,623,000 | 14,667,000 | 13,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,691,000 | 3,345,000 | 5,065,000 | 6,904,000 |
| Interest expense | 394,000 | 780,000 | 1,182,000 | 1,638,000 |
| Net interest income | 1,297,000 | 2,565,000 | 3,883,000 | 5,266,000 |
| Noninterest income | 145,000 | 300,000 | 455,000 | 602,000 |
| Noninterest expense | 854,000 | 1,636,000 | 2,481,000 | 3,596,000 |
| Provision for loan losses | 3,000 | 8,000 | 12,000 | 17,000 |
| Pretax income | 585,000 | 1,221,000 | 1,845,000 | 2,255,000 |
| Income tax | 55,000 | 118,000 | 175,000 | 142,000 |
| Net income | 530,000 | 1,103,000 | 1,670,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,274,000 | 12,846,000 | 13,414,000 | 12,357,000 |
| Total capital | 12,661,000 | 13,216,000 | 13,788,000 | 12,733,000 |
| Risk-weighted assets | 50,026,000 | 54,486,000 | 57,350,000 | 54,695,000 |
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