Call reports 2006
OSGOOD BANK — 2006
What OSGOOD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 106,207,000 | 103,875,000 | 108,327,000 | 108,957,000 |
| Total loans | 82,958,000 | 81,688,000 | 82,541,000 | 83,190,000 |
| Allowance for loan losses | 794,000 | 885,000 | 908,000 | 891,000 |
| Securities available for sale | 16,621,000 | 15,218,000 | 14,964,000 | 16,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,876,000 | 83,077,000 | 87,990,000 | 89,378,000 |
| Interest-bearing deposits | 74,135,000 | 73,373,000 | 77,094,000 | 76,278,000 |
| Noninterest-bearing deposits | 9,741,000 | 9,703,000 | 10,896,000 | 13,100,000 |
| Equity capital | 10,065,000 | 10,130,000 | 10,477,000 | 10,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 2,972,000 | 4,526,000 | 6,175,000 |
| Interest expense | 595,000 | 1,229,000 | 1,919,000 | 2,672,000 |
| Net interest income | 873,000 | 1,743,000 | 2,607,000 | 3,503,000 |
| Noninterest income | 201,000 | 422,000 | 623,000 | 795,000 |
| Noninterest expense | 716,000 | 1,415,000 | 2,152,000 | 2,835,000 |
| Provision for loan losses | 45,000 | 120,000 | 135,000 | 135,000 |
| Pretax income | 314,000 | 620,000 | 932,000 | 1,295,000 |
| Income tax | 62,000 | 125,000 | 171,000 | 251,000 |
| Net income | 252,000 | 495,000 | 761,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,072,000 | 9,320,000 | 9,595,000 | 9,556,000 |
| Total capital | 9,866,000 | 10,205,000 | 10,503,000 | 10,447,000 |
| Risk-weighted assets | 77,592,000 | 76,591,000 | 78,293,000 | 78,583,000 |