Call reports 2001
OSGOOD BANK — 2001
What OSGOOD BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 70,984,000 | 73,025,000 | 74,572,000 | 73,760,000 |
| Total loans | 48,108,000 | 50,236,000 | 52,306,000 | 51,532,000 |
| Allowance for loan losses | 446,000 | 497,000 | 525,000 | 609,000 |
| Securities available for sale | 15,736,000 | 15,885,000 | 15,887,000 | 15,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,184,000 | 59,037,000 | 60,335,000 | 59,882,000 |
| Interest-bearing deposits | 52,878,000 | 54,341,000 | 55,326,000 | 54,260,000 |
| Noninterest-bearing deposits | 4,306,000 | 4,697,000 | 5,009,000 | 5,622,000 |
| Equity capital | 7,986,000 | 8,104,000 | 8,394,000 | 8,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,279,000 | 2,555,000 | 3,842,000 | 5,146,000 |
| Interest expense | 706,000 | 1,431,000 | 2,150,000 | 2,815,000 |
| Net interest income | 573,000 | 1,124,000 | 1,692,000 | 2,331,000 |
| Noninterest income | 76,000 | 177,000 | 271,000 | 368,000 |
| Noninterest expense | 425,000 | 868,000 | 1,327,000 | 1,786,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 179,000 | 351,000 | 509,000 | 741,000 |
| Income tax | 38,000 | 65,000 | 85,000 | 126,000 |
| Net income | 141,000 | 286,000 | 424,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,787,000 | 7,931,000 | 8,069,000 | 8,021,000 |
| Total capital | 8,233,000 | 8,428,000 | 8,594,000 | 8,630,000 |
| Risk-weighted assets | 46,436,000 | 48,556,000 | 50,585,000 | 50,583,000 |