Call reports 2005
OSGOOD BANK — 2005
What OSGOOD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 100,236,000 | 102,620,000 | 104,162,000 | 106,656,000 |
| Total loans | 73,169,000 | 76,322,000 | 77,753,000 | 79,828,000 |
| Allowance for loan losses | 880,000 | 888,000 | 932,000 | 746,000 |
| Securities available for sale | 19,898,000 | 19,513,000 | 17,276,000 | 18,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,943,000 | 81,129,000 | 82,126,000 | 85,479,000 |
| Interest-bearing deposits | 70,854,000 | 72,470,000 | 72,632,000 | 73,084,000 |
| Noninterest-bearing deposits | 9,089,000 | 8,658,000 | 9,493,000 | 12,396,000 |
| Equity capital | 9,675,000 | 9,893,000 | 10,034,000 | 9,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,602,000 | 3,990,000 | 5,456,000 |
| Interest expense | 459,000 | 955,000 | 1,484,000 | 2,050,000 |
| Net interest income | 817,000 | 1,647,000 | 2,506,000 | 3,406,000 |
| Noninterest income | 128,000 | 301,000 | 448,000 | 599,000 |
| Noninterest expense | 648,000 | 1,354,000 | 2,056,000 | 2,794,000 |
| Provision for loan losses | 45,000 | 90,000 | 130,000 | 160,000 |
| Pretax income | 274,000 | 531,000 | 795,000 | 1,078,000 |
| Income tax | 42,000 | 89,000 | 133,000 | 181,000 |
| Net income | 232,000 | 442,000 | 662,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,486,000 | 8,650,000 | 8,877,000 | 8,813,000 |
| Total capital | 9,347,000 | 9,538,000 | 9,769,000 | 9,559,000 |
| Risk-weighted assets | 68,850,000 | 71,676,000 | 73,258,000 | 75,063,000 |