Call reports 2014
BANK OF OSWEGO, THE — 2014
What BANK OF OSWEGO, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 103,945,000 | 98,417,000 | 100,544,000 | 95,116,000 |
| Total loans | 52,564,000 | 48,834,000 | 42,450,000 | 43,948,000 |
| Allowance for loan losses | 2,496,000 | 2,508,000 | 2,457,000 | 1,409,000 |
| Securities available for sale | 14,694,000 | 17,307,000 | 17,401,000 | 17,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,726,000 | 85,980,000 | 88,447,000 | 83,011,000 |
| Interest-bearing deposits | 65,902,000 | 61,856,000 | 64,086,000 | 59,607,000 |
| Noninterest-bearing deposits | 24,824,000 | 24,124,000 | 24,361,000 | 23,404,000 |
| Equity capital | 9,865,000 | 9,658,000 | 9,600,000 | 10,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 997,000 | 1,831,000 | 2,837,000 | 3,561,000 |
| Interest expense | 53,000 | 102,000 | 146,000 | 190,000 |
| Net interest income | 944,000 | 1,729,000 | 2,691,000 | 3,371,000 |
| Noninterest income | 65,000 | 147,000 | 225,000 | 719,000 |
| Noninterest expense | 1,113,000 | 2,249,000 | 3,380,000 | 4,229,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,000,000 |
| Pretax income | -104,000 | -373,000 | -464,000 | 861,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -104,000 | -373,000 | -464,000 | 861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,752,000 | 8,517,000 | 8,446,000 | 9,796,000 |
| Total capital | 9,560,000 | 9,283,000 | 9,119,000 | 10,525,000 |
| Risk-weighted assets | 62,919,000 | 59,515,000 | 52,017,000 | 57,635,000 |
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