Call reports 2007
OSGOOD BANK — 2007
What OSGOOD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 109,928,000 | 110,834,000 | 111,526,000 | 111,039,000 |
| Total loans | 85,041,000 | 83,714,000 | 83,625,000 | 82,586,000 |
| Allowance for loan losses | 864,000 | 923,000 | 951,000 | 961,000 |
| Securities available for sale | 16,294,000 | 15,969,000 | 16,682,000 | 18,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,603,000 | 92,843,000 | 93,543,000 | 93,045,000 |
| Interest-bearing deposits | 79,123,000 | 80,399,000 | 80,058,000 | 77,159,000 |
| Noninterest-bearing deposits | 11,480,000 | 12,444,000 | 13,485,000 | 15,885,000 |
| Equity capital | 10,742,000 | 10,754,000 | 11,173,000 | 11,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,319,000 | 5,018,000 | 6,792,000 |
| Interest expense | 770,000 | 1,582,000 | 2,392,000 | 3,164,000 |
| Net interest income | 860,000 | 1,737,000 | 2,626,000 | 3,628,000 |
| Noninterest income | 115,000 | 234,000 | 376,000 | 526,000 |
| Noninterest expense | 659,000 | 1,375,000 | 2,086,000 | 2,841,000 |
| Provision for loan losses | 30,000 | 45,000 | 60,000 | 75,000 |
| Pretax income | 286,000 | 551,000 | 856,000 | 1,238,000 |
| Income tax | 56,000 | 97,000 | 153,000 | 237,000 |
| Net income | 230,000 | 454,000 | 703,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,793,000 | 10,019,000 | 10,273,000 | 10,241,000 |
| Total capital | 10,657,000 | 10,942,000 | 11,224,000 | 11,202,000 |
| Risk-weighted assets | 80,296,000 | 83,058,000 | 83,776,000 | 79,491,000 |