Call reports 2010
OSWEGO COMMUNITY BANK — 2010
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 188,491,000 | 203,718,000 | 204,646,000 | 187,374,000 |
| Total loans | 71,822,000 | 72,649,000 | 74,573,000 | 72,652,000 |
| Allowance for loan losses | 977,000 | 1,129,000 | 1,258,000 | 1,932,000 |
| Securities available for sale | 43,261,000 | 41,109,000 | 37,029,000 | 32,574,000 |
| Securities held to maturity | 38,687,000 | 43,105,000 | 20,968,000 | 20,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,004,000 | 171,820,000 | 176,333,000 | 173,412,000 |
| Interest-bearing deposits | 124,375,000 | 152,564,000 | 157,619,000 | 153,802,000 |
| Noninterest-bearing deposits | 27,629,000 | 19,255,000 | 18,713,000 | 19,610,000 |
| Equity capital | 28,711,000 | 29,095,000 | 25,620,000 | 11,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,117,000 | 6,023,000 | 7,780,000 |
| Interest expense | 347,000 | 677,000 | 1,001,000 | 1,305,000 |
| Net interest income | 1,705,000 | 3,440,000 | 5,022,000 | 6,475,000 |
| Noninterest income | 224,000 | 451,000 | 754,000 | 1,083,000 |
| Noninterest expense | 1,311,000 | 2,568,000 | 3,916,000 | 18,523,000 |
| Provision for loan losses | 158,000 | 406,000 | 626,000 | 1,501,000 |
| Pretax income | 460,000 | 929,000 | 1,343,000 | -12,353,000 |
| Income tax | 52,000 | 78,000 | 107,000 | -83,000 |
| Net income | 408,000 | 851,000 | 1,236,000 | -12,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,054,000 | 13,558,000 | 10,001,000 | 9,962,000 |
| Total capital | 14,108,000 | 14,662,000 | 11,013,000 | 10,942,000 |
| Risk-weighted assets | 87,030,000 | 87,379,000 | 80,493,000 | 77,408,000 |
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