Call reports 2007
BANK OF OSWEGO, THE — 2007
What BANK OF OSWEGO, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 43,289,000 | 50,599,000 | 49,288,000 | 52,236,000 |
| Total loans | 36,934,000 | 43,853,000 | 42,628,000 | 47,623,000 |
| Allowance for loan losses | 535,000 | 452,000 | 452,000 | 458,000 |
| Securities available for sale | 3,977,000 | 3,484,000 | 3,497,000 | 500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,266,000 | 32,545,000 | 38,224,000 | 41,676,000 |
| Interest-bearing deposits | 25,118,000 | 28,915,000 | 34,929,000 | 36,623,000 |
| Noninterest-bearing deposits | 4,147,000 | 3,630,000 | 3,295,000 | 5,053,000 |
| Equity capital | 10,503,000 | 10,504,000 | 10,462,000 | 10,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,888,000 | 2,949,000 | 3,976,000 |
| Interest expense | 269,000 | 607,000 | 1,011,000 | 1,384,000 |
| Net interest income | 636,000 | 1,281,000 | 1,938,000 | 2,592,000 |
| Noninterest income | 29,000 | 60,000 | 89,000 | 120,000 |
| Noninterest expense | 645,000 | 1,319,000 | 2,054,000 | 2,939,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 20,000 | 17,000 | -32,000 | -232,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 20,000 | 17,000 | -32,000 | -232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,524,000 | 10,519,000 | 10,466,000 | 10,328,000 |
| Total capital | 11,026,000 | 10,971,000 | 10,918,000 | 10,786,000 |
| Risk-weighted assets | 40,122,000 | 47,194,000 | 45,915,000 | 50,383,000 |
Machine access — free, no API key
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