Call reports 2008
OSWEGO COMMUNITY BANK — 2008
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 160,562,000 | 169,650,000 | 179,906,000 | 173,971,000 |
| Total loans | 44,890,000 | 53,675,000 | 63,196,000 | 70,116,000 |
| Allowance for loan losses | 379,000 | 394,000 | 410,000 | 509,000 |
| Securities available for sale | 78,207,000 | 74,483,000 | 67,681,000 | 64,793,000 |
| Securities held to maturity | 9,990,000 | 14,987,000 | 14,987,000 | 5,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,313,000 | 133,422,000 | 151,866,000 | 129,435,000 |
| Interest-bearing deposits | 105,314,000 | 115,444,000 | 133,853,000 | 97,216,000 |
| Noninterest-bearing deposits | 18,998,000 | 17,977,000 | 18,012,000 | 32,219,000 |
| Equity capital | 33,336,000 | 32,995,000 | 25,952,000 | 26,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,943,000 | 3,825,000 | 5,799,000 | 8,048,000 |
| Interest expense | 738,000 | 1,440,000 | 2,072,000 | 2,752,000 |
| Net interest income | 1,205,000 | 2,385,000 | 3,727,000 | 5,296,000 |
| Noninterest income | 153,000 | 318,000 | 505,000 | 506,000 |
| Noninterest expense | 1,217,000 | 2,466,000 | 3,785,000 | 5,326,000 |
| Provision for loan losses | 8,000 | 24,000 | 59,000 | 161,000 |
| Pretax income | 138,000 | 224,000 | 399,000 | 335,000 |
| Income tax | -106,000 | -230,000 | -314,000 | -524,000 |
| Net income | 244,000 | 454,000 | 713,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,273,000 | 17,550,000 | 10,432,000 | 10,742,000 |
| Total capital | 17,652,000 | 17,944,000 | 10,842,000 | 11,251,000 |
| Risk-weighted assets | 81,211,000 | 77,456,000 | 83,083,000 | 92,639,000 |
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