Call reports 2008
OSGOOD BANK — 2008
What OSGOOD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 112,565,000 | 113,364,000 | 115,982,000 | 115,829,000 |
| Total loans | 82,166,000 | 78,534,000 | 77,573,000 | 78,389,000 |
| Allowance for loan losses | 990,000 | 973,000 | 1,013,000 | 1,061,000 |
| Securities available for sale | 19,258,000 | 21,183,000 | 23,726,000 | 24,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,314,000 | 95,061,000 | 97,999,000 | 96,562,000 |
| Interest-bearing deposits | 80,074,000 | 82,599,000 | 84,826,000 | 82,776,000 |
| Noninterest-bearing deposits | 14,240,000 | 12,462,000 | 13,172,000 | 13,786,000 |
| Equity capital | 11,636,000 | 11,526,000 | 11,892,000 | 11,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,670,000 | 3,272,000 | 4,845,000 | 6,439,000 |
| Interest expense | 732,000 | 1,402,000 | 2,043,000 | 2,637,000 |
| Net interest income | 938,000 | 1,870,000 | 2,802,000 | 3,802,000 |
| Noninterest income | 155,000 | 382,000 | 548,000 | 701,000 |
| Noninterest expense | 797,000 | 1,612,000 | 2,471,000 | 3,345,000 |
| Provision for loan losses | 30,000 | 95,000 | 185,000 | 250,000 |
| Pretax income | 270,000 | 549,000 | 699,000 | 924,000 |
| Income tax | 46,000 | 91,000 | 89,000 | 121,000 |
| Net income | 224,000 | 458,000 | 610,000 | 803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,472,000 | 10,557,000 | 10,865,000 | 10,683,000 |
| Total capital | 11,462,000 | 11,530,000 | 11,849,000 | 11,664,000 |
| Risk-weighted assets | 79,375,000 | 78,249,000 | 78,690,000 | 78,424,000 |