Call reports 2011
BANK OF OSWEGO, THE — 2011
What BANK OF OSWEGO, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 169,161,000 | 169,122,000 | 165,132,000 | 163,644,000 |
| Total loans | 120,013,000 | 123,412,000 | 125,521,000 | 127,554,000 |
| Allowance for loan losses | 1,804,000 | 1,829,000 | 2,124,000 | 1,999,000 |
| Securities available for sale | 3,004,000 | 3,003,000 | 3,008,000 | 3,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,119,000 | 152,822,000 | 149,505,000 | 147,181,000 |
| Interest-bearing deposits | 131,997,000 | 131,230,000 | 128,795,000 | 127,296,000 |
| Noninterest-bearing deposits | 21,122,000 | 21,591,000 | 20,710,000 | 19,885,000 |
| Equity capital | 13,245,000 | 13,621,000 | 13,874,000 | 14,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,081,000 | 4,194,000 | 6,335,000 | 8,530,000 |
| Interest expense | 439,000 | 826,000 | 1,177,000 | 1,484,000 |
| Net interest income | 1,642,000 | 3,368,000 | 5,158,000 | 7,046,000 |
| Noninterest income | 85,000 | 143,000 | 239,000 | 451,000 |
| Noninterest expense | 1,542,000 | 2,515,000 | 3,706,000 | 5,089,000 |
| Provision for loan losses | 90,000 | 290,000 | 580,000 | 880,000 |
| Pretax income | 95,000 | 706,000 | 1,111,000 | 1,528,000 |
| Income tax | 38,000 | 275,000 | 432,000 | 593,000 |
| Net income | 57,000 | 431,000 | 679,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,482,000 | 13,295,000 | 13,732,000 | 14,126,000 |
| Total capital | 14,184,000 | 15,031,000 | 15,491,000 | 15,894,000 |
| Risk-weighted assets | 136,031,000 | 138,793,000 | 140,366,000 | 141,222,000 |
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