Call reports 2009
OSWEGO COMMUNITY BANK — 2009
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 173,214,000 | 186,458,000 | 186,634,000 | 198,434,000 |
| Total loans | 70,506,000 | 71,032,000 | 70,856,000 | 71,888,000 |
| Allowance for loan losses | 542,000 | 722,000 | 801,000 | 861,000 |
| Securities available for sale | 61,151,000 | 56,939,000 | 55,185,000 | 46,255,000 |
| Securities held to maturity | 9,994,000 | 19,981,000 | 19,982,000 | 38,686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,822,000 | 157,035,000 | 155,902,000 | 149,749,000 |
| Interest-bearing deposits | 116,279,000 | 136,103,000 | 121,497,000 | 121,416,000 |
| Noninterest-bearing deposits | 18,543,000 | 20,932,000 | 34,405,000 | 28,333,000 |
| Equity capital | 26,190,000 | 27,074,000 | 27,959,000 | 28,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,919,000 | 3,881,000 | 5,884,000 | 7,802,000 |
| Interest expense | 638,000 | 1,187,000 | 1,683,000 | 2,099,000 |
| Net interest income | 1,281,000 | 2,694,000 | 4,201,000 | 5,703,000 |
| Noninterest income | 192,000 | 387,000 | 612,000 | 809,000 |
| Noninterest expense | 1,296,000 | 2,424,000 | 3,678,000 | 4,892,000 |
| Provision for loan losses | 54,000 | 273,000 | 351,000 | 434,000 |
| Pretax income | 127,000 | 388,000 | 788,000 | 1,193,000 |
| Income tax | -107,000 | -126,000 | -114,000 | -43,000 |
| Net income | 234,000 | 514,000 | 902,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,640,000 | 11,485,000 | 12,147,000 | 12,556,000 |
| Total capital | 11,182,000 | 12,207,000 | 12,948,000 | 13,417,000 |
| Risk-weighted assets | 86,052,000 | 88,159,000 | 90,024,000 | 90,010,000 |
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