Call reports 2002
OSGOOD BANK — 2002
What OSGOOD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 74,801,000 | 75,083,000 | 75,393,000 | 76,006,000 |
| Total loans | 52,225,000 | 53,654,000 | 55,115,000 | 54,103,000 |
| Allowance for loan losses | 638,000 | 673,000 | 703,000 | 709,000 |
| Securities available for sale | 16,279,000 | 16,693,000 | 16,944,000 | 15,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,510,000 | 59,244,000 | 59,003,000 | 59,997,000 |
| Interest-bearing deposits | 55,208,000 | 53,998,000 | 53,764,000 | 53,809,000 |
| Noninterest-bearing deposits | 5,302,000 | 5,246,000 | 5,239,000 | 6,188,000 |
| Equity capital | 8,298,000 | 8,698,000 | 9,187,000 | 8,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,167,000 | 2,333,000 | 3,524,000 | 4,686,000 |
| Interest expense | 601,000 | 1,148,000 | 1,662,000 | 2,138,000 |
| Net interest income | 566,000 | 1,185,000 | 1,862,000 | 2,548,000 |
| Noninterest income | 92,000 | 194,000 | 293,000 | 422,000 |
| Noninterest expense | 444,000 | 890,000 | 1,344,000 | 1,852,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 125,000 |
| Pretax income | 169,000 | 399,000 | 706,000 | 993,000 |
| Income tax | 26,000 | 52,000 | 114,000 | 173,000 |
| Net income | 143,000 | 347,000 | 592,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,141,000 | 8,345,000 | 8,548,000 | 8,495,000 |
| Total capital | 8,779,000 | 8,965,000 | 9,191,000 | 9,167,000 |
| Risk-weighted assets | 50,699,000 | 49,635,000 | 51,385,000 | 53,755,000 |