Call reports 2009
BANK OF OSWEGO, THE — 2009
What BANK OF OSWEGO, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 87,266,000 | 94,245,000 | 111,539,000 | 121,180,000 |
| Total loans | 70,056,000 | 84,117,000 | 98,057,000 | 100,995,000 |
| Allowance for loan losses | 775,000 | 933,000 | 968,000 | 1,234,000 |
| Securities available for sale | 3,028,000 | 3,514,000 | 3,507,000 | 4,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,031,000 | 78,552,000 | 98,309,000 | 108,271,000 |
| Interest-bearing deposits | 64,314,000 | 71,506,000 | 90,524,000 | 98,514,000 |
| Noninterest-bearing deposits | 6,717,000 | 7,046,000 | 7,785,000 | 9,757,000 |
| Equity capital | 11,476,000 | 11,515,000 | 11,618,000 | 11,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,622,000 | 4,244,000 | 6,106,000 |
| Interest expense | 361,000 | 758,000 | 1,189,000 | 1,702,000 |
| Net interest income | 836,000 | 1,864,000 | 3,055,000 | 4,404,000 |
| Noninterest income | 65,000 | 134,000 | 225,000 | 265,000 |
| Noninterest expense | 767,000 | 1,641,000 | 2,572,000 | 3,609,000 |
| Provision for loan losses | 95,000 | 255,000 | 450,000 | 1,040,000 |
| Pretax income | 39,000 | 102,000 | 258,000 | 20,000 |
| Income tax | 20,000 | 49,000 | 116,000 | 12,000 |
| Net income | 19,000 | 53,000 | 142,000 | 8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,149,000 | 10,222,000 | 10,483,000 | 10,297,000 |
| Total capital | 10,924,000 | 11,155,000 | 11,466,000 | 11,546,000 |
| Risk-weighted assets | 80,199,000 | 92,375,000 | 108,288,000 | 110,492,000 |
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