Call reports 2010
OSGOOD BANK — 2010
What OSGOOD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 128,105,000 | 128,659,000 | 135,024,000 | 127,966,000 |
| Total loans | 79,259,000 | 78,608,000 | 77,096,000 | 70,740,000 |
| Allowance for loan losses | 1,555,000 | 1,768,000 | 1,739,000 | 2,098,000 |
| Securities available for sale | 36,788,000 | 37,013,000 | 39,971,000 | 43,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,314,000 | 107,913,000 | 115,620,000 | 110,146,000 |
| Interest-bearing deposits | 93,347,000 | 93,871,000 | 98,689,000 | 92,800,000 |
| Noninterest-bearing deposits | 13,967,000 | 14,042,000 | 16,931,000 | 17,346,000 |
| Equity capital | 12,937,000 | 12,586,000 | 13,271,000 | 11,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,527,000 | 3,088,000 | 4,657,000 | 6,241,000 |
| Interest expense | 443,000 | 877,000 | 1,287,000 | 1,660,000 |
| Net interest income | 1,084,000 | 2,211,000 | 3,370,000 | 4,581,000 |
| Noninterest income | 191,000 | 437,000 | 662,000 | 1,102,000 |
| Noninterest expense | 976,000 | 1,978,000 | 2,964,000 | 4,049,000 |
| Provision for loan losses | 310,000 | 1,085,000 | 1,510,000 | 1,910,000 |
| Pretax income | -11,000 | -415,000 | -442,000 | -275,000 |
| Income tax | -84,000 | -228,000 | -374,000 | -404,000 |
| Net income | 73,000 | -187,000 | -68,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,380,000 | 11,122,000 | 11,249,000 | 11,321,000 |
| Total capital | 12,462,000 | 12,200,000 | 12,305,000 | 12,444,000 |
| Risk-weighted assets | 86,094,000 | 85,523,000 | 83,818,000 | 88,894,000 |