Call reports 2006
OSWEGO COMMUNITY BANK — 2006
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 145,596,000 | 153,695,000 | 156,028,000 | 153,618,000 |
| Total loans | 39,200,000 | 43,105,000 | 43,816,000 | 43,722,000 |
| Allowance for loan losses | 405,000 | 413,000 | 406,000 | 393,000 |
| Securities available for sale | 99,179,000 | 103,596,000 | 104,115,000 | 102,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,600,000 | 132,382,000 | 140,480,000 | 134,835,000 |
| Interest-bearing deposits | 107,871,000 | 108,127,000 | 116,923,000 | 109,257,000 |
| Noninterest-bearing deposits | 23,729,000 | 24,255,000 | 23,557,000 | 25,578,000 |
| Equity capital | 12,880,000 | 12,910,000 | 14,476,000 | 13,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,786,000 | 3,626,000 | 5,531,000 | 7,443,000 |
| Interest expense | 584,000 | 1,204,000 | 1,931,000 | 2,707,000 |
| Net interest income | 1,202,000 | 2,422,000 | 3,600,000 | 4,736,000 |
| Noninterest income | 165,000 | 336,000 | 550,000 | 716,000 |
| Noninterest expense | 943,000 | 1,816,000 | 2,732,000 | 3,853,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 400,000 | 911,000 | 1,379,000 | 1,565,000 |
| Income tax | 7,000 | 12,000 | 10,000 | -96,000 |
| Net income | 393,000 | 899,000 | 1,369,000 | 1,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,294,000 | 13,800,000 | 14,270,000 | 13,062,000 |
| Total capital | 13,699,000 | 14,213,000 | 14,676,000 | 13,455,000 |
| Risk-weighted assets | 52,755,000 | 57,977,000 | 57,770,000 | 58,179,000 |
Machine access — free, no API key
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