Call reports 2012
BANK OF OSWEGO, THE — 2012
What BANK OF OSWEGO, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 157,068,000 | 153,516,000 | 144,380,000 | 135,685,000 |
| Total loans | 127,389,000 | 114,887,000 | 107,187,000 | 89,994,000 |
| Allowance for loan losses | 1,982,000 | 2,281,000 | 2,860,000 | 3,040,000 |
| Securities available for sale | 3,003,000 | 2,501,000 | 2,500,000 | 2,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,738,000 | 136,766,000 | 129,064,000 | 121,274,000 |
| Interest-bearing deposits | 120,200,000 | 114,235,000 | 107,461,000 | 96,708,000 |
| Noninterest-bearing deposits | 19,538,000 | 22,531,000 | 21,603,000 | 24,566,000 |
| Equity capital | 14,348,000 | 14,168,000 | 13,496,000 | 12,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,083,000 | 4,056,000 | 5,814,000 | 7,382,000 |
| Interest expense | 264,000 | 479,000 | 634,000 | 737,000 |
| Net interest income | 1,819,000 | 3,577,000 | 5,180,000 | 6,645,000 |
| Noninterest income | 207,000 | 377,000 | 533,000 | 641,000 |
| Noninterest expense | 1,413,000 | 2,795,000 | 3,983,000 | 5,431,000 |
| Provision for loan losses | 255,000 | 1,090,000 | 2,747,000 | 4,711,000 |
| Pretax income | 358,000 | 69,000 | -1,017,000 | -2,856,000 |
| Income tax | 140,000 | 30,000 | -385,000 | -1,089,000 |
| Net income | 218,000 | 39,000 | -632,000 | -1,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,345,000 | 13,899,000 | 12,766,000 | 10,665,000 |
| Total capital | 16,121,000 | 15,499,000 | 14,265,000 | 11,957,000 |
| Risk-weighted assets | 141,888,000 | 127,340,000 | 118,547,000 | 101,591,000 |
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