Call reports 2009
OSGOOD BANK — 2009
What OSGOOD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 119,721,000 | 121,191,000 | 122,917,000 | 123,626,000 |
| Total loans | 79,665,000 | 79,064,000 | 77,551,000 | 78,172,000 |
| Allowance for loan losses | 1,099,000 | 1,143,000 | 864,000 | 1,244,000 |
| Securities available for sale | 27,656,000 | 29,559,000 | 34,368,000 | 33,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,439,000 | 101,063,000 | 102,300,000 | 102,940,000 |
| Interest-bearing deposits | 86,072,000 | 88,868,000 | 90,054,000 | 88,806,000 |
| Noninterest-bearing deposits | 12,367,000 | 12,195,000 | 12,246,000 | 14,134,000 |
| Equity capital | 12,216,000 | 12,423,000 | 13,226,000 | 12,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,138,000 | 4,655,000 | 6,260,000 |
| Interest expense | 530,000 | 1,058,000 | 1,560,000 | 2,035,000 |
| Net interest income | 1,018,000 | 2,080,000 | 3,095,000 | 4,225,000 |
| Noninterest income | 423,000 | 836,000 | 1,030,000 | 1,233,000 |
| Noninterest expense | 969,000 | 1,975,000 | 2,914,000 | 3,843,000 |
| Provision for loan losses | 85,000 | 125,000 | 235,000 | 631,000 |
| Pretax income | 431,000 | 869,000 | 1,029,000 | 1,039,000 |
| Income tax | 95,000 | 181,000 | 158,000 | 77,000 |
| Net income | 336,000 | 688,000 | 871,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,016,000 | 11,364,000 | 11,544,000 | 11,302,000 |
| Total capital | 12,015,000 | 12,379,000 | 12,408,000 | 12,341,000 |
| Risk-weighted assets | 79,816,000 | 81,069,000 | 81,423,000 | 82,928,000 |