Call reports 2011
OSWEGO COMMUNITY BANK — 2011
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 191,136,000 | 189,637,000 | 203,245,000 | 188,451,000 |
| Total loans | 68,383,000 | 77,927,000 | 86,833,000 | 97,636,000 |
| Allowance for loan losses | 1,134,000 | 926,000 | 1,437,000 | 2,382,000 |
| Securities available for sale | 29,075,000 | 38,701,000 | 63,266,000 | 69,434,000 |
| Securities held to maturity | 15,285,000 | 10,291,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,033,000 | 175,327,000 | 188,592,000 | 174,492,000 |
| Interest-bearing deposits | 155,016,000 | 146,012,000 | 155,907,000 | 153,844,000 |
| Noninterest-bearing deposits | 22,017,000 | 29,314,000 | 32,685,000 | 20,649,000 |
| Equity capital | 11,944,000 | 12,220,000 | 12,425,000 | 12,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,539,000 | 3,064,000 | 4,758,000 | 6,541,000 |
| Interest expense | 259,000 | 491,000 | 731,000 | 977,000 |
| Net interest income | 1,280,000 | 2,573,000 | 4,027,000 | 5,564,000 |
| Noninterest income | 268,000 | 620,000 | 1,053,000 | 1,446,000 |
| Noninterest expense | 1,232,000 | 2,553,000 | 4,095,000 | 5,475,000 |
| Provision for loan losses | 409,000 | 576,000 | 1,258,000 | 2,237,000 |
| Pretax income | -89,000 | 70,000 | -235,000 | -664,000 |
| Income tax | -129,000 | -204,000 | -342,000 | -967,000 |
| Net income | 40,000 | 274,000 | 107,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,060,000 | 10,349,000 | 10,234,000 | 10,485,000 |
| Total capital | 10,989,000 | 11,275,000 | 11,395,000 | 11,779,000 |
| Risk-weighted assets | 74,158,000 | 83,441,000 | 92,596,000 | 101,931,000 |
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