Call reports 2010
BANK OF OSWEGO, THE — 2010
What BANK OF OSWEGO, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 136,838,000 | 173,517,000 | 181,690,000 | 188,070,000 |
| Total loans | 101,325,000 | 110,153,000 | 117,976,000 | 122,187,000 |
| Allowance for loan losses | 1,329,000 | 1,621,000 | 1,798,000 | 1,897,000 |
| Securities available for sale | 6,986,000 | 7,028,000 | 6,025,000 | 3,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,802,000 | 158,492,000 | 166,652,000 | 173,858,000 |
| Interest-bearing deposits | 112,613,000 | 134,373,000 | 142,108,000 | 152,781,000 |
| Noninterest-bearing deposits | 9,189,000 | 24,119,000 | 24,544,000 | 21,077,000 |
| Equity capital | 11,590,000 | 11,650,000 | 12,835,000 | 12,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,833,000 | 3,798,000 | 5,926,000 | 8,137,000 |
| Interest expense | 527,000 | 1,106,000 | 1,715,000 | 2,291,000 |
| Net interest income | 1,306,000 | 2,692,000 | 4,211,000 | 5,846,000 |
| Noninterest income | 76,000 | 175,000 | 273,000 | 369,000 |
| Noninterest expense | 1,050,000 | 2,138,000 | 3,309,000 | 4,534,000 |
| Provision for loan losses | 175,000 | 463,000 | 685,000 | 1,405,000 |
| Pretax income | 157,000 | 266,000 | 490,000 | 276,000 |
| Income tax | 70,000 | 161,000 | 235,000 | 110,000 |
| Net income | 87,000 | 105,000 | 255,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,550,000 | 11,060,000 | 11,879,000 | 12,125,000 |
| Total capital | 11,894,000 | 12,624,000 | 13,523,000 | 13,830,000 |
| Risk-weighted assets | 115,328,000 | 125,065,000 | 131,387,000 | 136,221,000 |
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