Call reports 2015
BANK OF OSWEGO, THE — 2015
What BANK OF OSWEGO, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 94,127,000 | 77,842,000 | 68,529,000 | 66,641,000 |
| Total loans | 44,773,000 | 48,833,000 | 42,997,000 | 45,200,000 |
| Allowance for loan losses | 1,380,000 | 1,386,000 | 1,398,000 | 1,356,000 |
| Securities available for sale | 18,366,000 | 13,830,000 | 11,097,000 | 10,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,376,000 | 67,087,000 | 57,679,000 | 57,367,000 |
| Interest-bearing deposits | 59,050,000 | 45,745,000 | 39,827,000 | 39,324,000 |
| Noninterest-bearing deposits | 23,326,000 | 21,342,000 | 17,852,000 | 18,043,000 |
| Equity capital | 10,796,000 | 10,454,000 | 10,188,000 | 8,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,492,000 | 2,191,000 | 2,739,000 |
| Interest expense | 38,000 | 67,000 | 87,000 | 100,000 |
| Net interest income | 693,000 | 1,425,000 | 2,104,000 | 2,639,000 |
| Noninterest income | 68,000 | 117,000 | 149,000 | 210,000 |
| Noninterest expense | 1,038,000 | 2,079,000 | 3,082,000 | 4,295,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -277,000 | -509,000 | -794,000 | -1,411,000 |
| Income tax | 0 | 0 | 0 | 1,131,000 |
| Net income | -277,000 | -509,000 | -794,000 | -2,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,575,000 | 9,291,000 | 9,019,000 | 8,370,000 |
| Total capital | 10,362,000 | 10,046,000 | 9,643,000 | 8,994,000 |
| Risk-weighted assets | 62,378,000 | 59,790,000 | 49,164,000 | 49,211,000 |