Call reports 2011
OSGOOD BANK — 2011
What OSGOOD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 129,013,000 | 127,548,000 | 131,150,000 | 130,940,000 |
| Total loans | 66,427,000 | 66,618,000 | 67,155,000 | 62,524,000 |
| Allowance for loan losses | 2,203,000 | 2,225,000 | 2,226,000 | 2,076,000 |
| Securities available for sale | 46,010,000 | 48,123,000 | 49,914,000 | 51,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,083,000 | 109,033,000 | 110,532,000 | 111,257,000 |
| Interest-bearing deposits | 94,431,000 | 93,693,000 | 93,892,000 | 90,185,000 |
| Noninterest-bearing deposits | 16,652,000 | 15,340,000 | 16,640,000 | 21,073,000 |
| Equity capital | 12,991,000 | 13,952,000 | 14,587,000 | 14,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,543,000 | 3,035,000 | 4,504,000 | 5,950,000 |
| Interest expense | 314,000 | 611,000 | 865,000 | 1,088,000 |
| Net interest income | 1,229,000 | 2,424,000 | 3,639,000 | 4,862,000 |
| Noninterest income | 305,000 | 436,000 | 622,000 | 1,067,000 |
| Noninterest expense | 1,033,000 | 2,054,000 | 2,914,000 | 4,099,000 |
| Provision for loan losses | 110,000 | 135,000 | 135,000 | 185,000 |
| Pretax income | 391,000 | 671,000 | 1,212,000 | 1,893,000 |
| Income tax | 68,000 | 82,000 | 215,000 | 382,000 |
| Net income | 323,000 | 589,000 | 997,000 | 1,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,645,000 | 11,919,000 | 12,099,000 | 12,277,000 |
| Total capital | 12,638,000 | 12,892,000 | 13,322,000 | 13,229,000 |
| Risk-weighted assets | 78,197,000 | 76,580,000 | 96,873,000 | 75,037,000 |