Call reports 2005
OSWEGO COMMUNITY BANK — 2005
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 154,829,000 | 160,254,000 | 160,016,000 | 155,558,000 |
| Total loans | 37,395,000 | 39,227,000 | 39,437,000 | 38,075,000 |
| Allowance for loan losses | 383,000 | 387,000 | 395,000 | 400,000 |
| Securities available for sale | 109,377,000 | 108,191,000 | 105,445,000 | 102,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,314,000 | 144,884,000 | 144,708,000 | 142,260,000 |
| Interest-bearing deposits | 110,544,000 | 121,001,000 | 123,371,000 | 116,504,000 |
| Noninterest-bearing deposits | 23,770,000 | 23,883,000 | 21,337,000 | 25,756,000 |
| Equity capital | 12,952,000 | 14,238,000 | 14,346,000 | 12,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,756,000 | 3,530,000 | 5,306,000 | 7,110,000 |
| Interest expense | 465,000 | 933,000 | 1,447,000 | 2,034,000 |
| Net interest income | 1,291,000 | 2,597,000 | 3,859,000 | 5,076,000 |
| Noninterest income | 148,000 | 316,000 | 490,000 | 653,000 |
| Noninterest expense | 878,000 | 1,691,000 | 2,563,000 | 3,668,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 612,000 | 1,266,000 | 1,822,000 | 2,090,000 |
| Income tax | 32,000 | 99,000 | 129,000 | 45,000 |
| Net income | 580,000 | 1,167,000 | 1,693,000 | 2,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,936,000 | 13,523,000 | 14,050,000 | 12,537,000 |
| Total capital | 13,319,000 | 13,910,000 | 14,445,000 | 12,937,000 |
| Risk-weighted assets | 54,163,000 | 58,697,000 | 55,357,000 | 51,426,000 |
Machine access — free, no API key
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