Call reports 2008
BANK OF OSWEGO, THE — 2008
What BANK OF OSWEGO, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 57,033,000 | 62,142,000 | 64,678,000 | 69,620,000 |
| Total loans | 52,505,000 | 54,465,000 | 55,094,000 | 58,110,000 |
| Allowance for loan losses | 488,000 | 560,000 | 565,000 | 683,000 |
| Securities available for sale | 2,015,000 | 3,478,000 | 3,487,000 | 4,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,862,000 | 49,007,000 | 49,897,000 | 53,221,000 |
| Interest-bearing deposits | 35,600,000 | 43,654,000 | 44,206,000 | 47,698,000 |
| Noninterest-bearing deposits | 5,262,000 | 5,353,000 | 5,691,000 | 5,523,000 |
| Equity capital | 10,292,000 | 10,229,000 | 10,252,000 | 11,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,006,000 | 2,037,000 | 3,082,000 | 4,153,000 |
| Interest expense | 367,000 | 714,000 | 1,066,000 | 1,403,000 |
| Net interest income | 639,000 | 1,323,000 | 2,016,000 | 2,750,000 |
| Noninterest income | 49,000 | 93,000 | 155,000 | 218,000 |
| Noninterest expense | 718,000 | 1,479,000 | 2,235,000 | 3,044,000 |
| Provision for loan losses | 30,000 | 50,000 | 55,000 | 375,000 |
| Pretax income | -60,000 | -113,000 | -119,000 | -451,000 |
| Income tax | 0 | 0 | 0 | -1,488,000 |
| Net income | -60,000 | -113,000 | -119,000 | 1,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,281,000 | 10,256,000 | 10,260,000 | 10,097,000 |
| Total capital | 10,769,000 | 10,816,000 | 10,825,000 | 10,780,000 |
| Risk-weighted assets | 55,298,000 | 58,349,000 | 60,256,000 | 65,322,000 |
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