Call reports 2007
OSWEGO COMMUNITY BANK — 2007
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 151,883,000 | 146,236,000 | 177,158,000 | 161,129,000 |
| Total loans | 45,471,000 | 46,771,000 | 45,561,000 | 44,121,000 |
| Allowance for loan losses | 391,000 | 399,000 | 401,000 | 409,000 |
| Securities available for sale | 99,413,000 | 93,021,000 | 92,779,000 | 84,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,441,000 | 128,753,000 | 142,323,000 | 125,253,000 |
| Interest-bearing deposits | 108,150,000 | 103,833,000 | 123,540,000 | 107,089,000 |
| Noninterest-bearing deposits | 25,291,000 | 24,920,000 | 18,783,000 | 18,163,000 |
| Equity capital | 13,542,000 | 13,363,000 | 32,372,000 | 33,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,878,000 | 3,746,000 | 5,609,000 | 7,455,000 |
| Interest expense | 749,000 | 1,517,000 | 2,258,000 | 3,012,000 |
| Net interest income | 1,129,000 | 2,229,000 | 3,351,000 | 4,443,000 |
| Noninterest income | 154,000 | 309,000 | 470,000 | 631,000 |
| Noninterest expense | 933,000 | 1,839,000 | 2,999,000 | 4,082,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 342,000 | 684,000 | 799,000 | 962,000 |
| Income tax | -28,000 | -54,000 | -162,000 | -258,000 |
| Net income | 370,000 | 738,000 | 961,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,431,000 | 13,799,000 | 16,622,000 | 16,952,000 |
| Total capital | 13,822,000 | 14,198,000 | 17,023,000 | 17,361,000 |
| Risk-weighted assets | 57,709,000 | 58,869,000 | 78,455,000 | 65,858,000 |
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