Call reports 2003
OSGOOD BANK — 2003
What OSGOOD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 76,858,000 | 77,964,000 | 93,330,000 | 94,671,000 |
| Total loans | 53,950,000 | 55,180,000 | 59,176,000 | 60,469,000 |
| Allowance for loan losses | 738,000 | 754,000 | 783,000 | 799,000 |
| Securities available for sale | 16,498,000 | 16,333,000 | 16,667,000 | 25,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,866,000 | 61,276,000 | 75,456,000 | 77,048,000 |
| Interest-bearing deposits | 55,742,000 | 55,727,000 | 68,123,000 | 68,234,000 |
| Noninterest-bearing deposits | 5,124,000 | 5,549,000 | 7,333,000 | 8,814,000 |
| Equity capital | 9,249,000 | 9,578,000 | 9,351,000 | 9,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,098,000 | 2,227,000 | 3,347,000 | 4,508,000 |
| Interest expense | 445,000 | 874,000 | 1,313,000 | 1,790,000 |
| Net interest income | 653,000 | 1,353,000 | 2,034,000 | 2,718,000 |
| Noninterest income | 98,000 | 207,000 | 335,000 | 454,000 |
| Noninterest expense | 505,000 | 1,016,000 | 1,570,000 | 2,203,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 216,000 | 484,000 | 709,000 | 849,000 |
| Income tax | 26,000 | 82,000 | 98,000 | 118,000 |
| Net income | 190,000 | 402,000 | 611,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,614,000 | 8,826,000 | 8,838,000 | 7,649,000 |
| Total capital | 9,268,000 | 9,486,000 | 9,576,000 | 8,413,000 |
| Risk-weighted assets | 52,219,000 | 52,712,000 | 59,025,000 | 61,075,000 |