Call reports 2016
BANK OF OSWEGO, THE — 2016
What BANK OF OSWEGO, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Total assets | 61,206,000 | 57,029,000 |
| Total loans | 42,889,000 | 41,968,000 |
| Allowance for loan losses | 1,363,000 | 1,368,000 |
| Securities available for sale | 9,171,000 | 901,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 52,445,000 | 48,778,000 |
| Interest-bearing deposits | 36,841,000 | 32,889,000 |
| Noninterest-bearing deposits | 15,604,000 | 15,890,000 |
| Equity capital | 8,105,000 | 7,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Interest income | 634,000 | 1,218,000 |
| Interest expense | 17,000 | 32,000 |
| Net interest income | 617,000 | 1,186,000 |
| Noninterest income | 51,000 | 101,000 |
| Noninterest expense | 992,000 | 2,212,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | -324,000 | -791,000 |
| Income tax | 0 | 0 |
| Net income | -324,000 | -791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Tier 1 capital | 8,054,000 | 7,543,000 |
| Total capital | 8,628,000 | 8,090,000 |
| Risk-weighted assets | 45,151,000 | 42,904,000 |