Call reports 2012
OSWEGO COMMUNITY BANK — 2012
What OSWEGO COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 216,765,000 | 200,847,000 | 199,046,000 | 195,794,000 |
| Total loans | 104,238,000 | 99,921,000 | 96,014,000 | 89,261,000 |
| Allowance for loan losses | 2,328,000 | 3,214,000 | 3,278,000 | 3,212,000 |
| Securities available for sale | 71,963,000 | 75,340,000 | 78,909,000 | 79,669,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,432,000 | 184,347,000 | 185,331,000 | 181,786,000 |
| Interest-bearing deposits | 159,353,000 | 163,405,000 | 163,541,000 | 159,992,000 |
| Noninterest-bearing deposits | 37,079,000 | 20,942,000 | 21,790,000 | 21,793,000 |
| Equity capital | 12,716,000 | 12,459,000 | 12,580,000 | 12,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,815,000 | 3,829,000 | 5,777,000 | 7,538,000 |
| Interest expense | 212,000 | 435,000 | 624,000 | 781,000 |
| Net interest income | 1,603,000 | 3,394,000 | 5,153,000 | 6,757,000 |
| Noninterest income | 300,000 | 477,000 | 530,000 | 620,000 |
| Noninterest expense | 1,562,000 | 3,157,000 | 4,680,000 | 6,041,000 |
| Provision for loan losses | 300,000 | 1,550,000 | 1,685,000 | 1,835,000 |
| Pretax income | 66,000 | -812,000 | -655,000 | -472,000 |
| Income tax | -28,000 | -408,000 | -385,000 | -311,000 |
| Net income | 94,000 | -404,000 | -270,000 | -161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,631,000 | 10,184,000 | 10,366,000 | 10,525,000 |
| Total capital | 12,049,000 | 11,560,000 | 11,714,000 | 11,808,000 |
| Risk-weighted assets | 112,535,000 | 107,842,000 | 105,911,000 | 100,694,000 |
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