Call reports 2004
OSGOOD BANK — 2004
What OSGOOD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 95,674,000 | 96,949,000 | 97,778,000 | 101,151,000 |
| Total loans | 62,567,000 | 67,942,000 | 69,248,000 | 72,386,000 |
| Allowance for loan losses | 819,000 | 789,000 | 817,000 | 821,000 |
| Securities available for sale | 26,098,000 | 23,038,000 | 22,352,000 | 21,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,936,000 | 76,759,000 | 78,426,000 | 80,591,000 |
| Interest-bearing deposits | 69,680,000 | 68,850,000 | 70,334,000 | 69,795,000 |
| Noninterest-bearing deposits | 7,256,000 | 7,909,000 | 8,092,000 | 10,796,000 |
| Equity capital | 9,626,000 | 9,258,000 | 9,835,000 | 9,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,178,000 | 2,378,000 | 3,598,000 | 4,885,000 |
| Interest expense | 458,000 | 903,000 | 1,334,000 | 1,777,000 |
| Net interest income | 720,000 | 1,475,000 | 2,264,000 | 3,108,000 |
| Noninterest income | 116,000 | 250,000 | 379,000 | 512,000 |
| Noninterest expense | 598,000 | 1,198,000 | 1,838,000 | 2,521,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 266,000 | 545,000 | 800,000 | 1,084,000 |
| Income tax | 47,000 | 94,000 | 128,000 | 187,000 |
| Net income | 219,000 | 451,000 | 672,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,876,000 | 8,117,000 | 8,342,000 | 8,276,000 |
| Total capital | 8,660,000 | 8,906,000 | 9,159,000 | 9,097,000 |
| Risk-weighted assets | 62,657,000 | 66,565,000 | 66,480,000 | 69,075,000 |