Call reports 2012
OSGOOD BANK — 2012
What OSGOOD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 133,616,000 | 134,111,000 | 137,897,000 | 139,932,000 |
| Total loans | 66,164,000 | 63,464,000 | 59,376,000 | 61,501,000 |
| Allowance for loan losses | 1,929,000 | 1,528,000 | 1,524,000 | 1,527,000 |
| Securities available for sale | 50,673,000 | 54,887,000 | 59,006,000 | 61,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,588,000 | 113,775,000 | 117,220,000 | 119,484,000 |
| Interest-bearing deposits | 94,219,000 | 93,225,000 | 94,088,000 | 92,562,000 |
| Noninterest-bearing deposits | 19,369,000 | 20,550,000 | 23,132,000 | 26,922,000 |
| Equity capital | 15,144,000 | 15,833,000 | 16,383,000 | 16,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,378,000 | 2,728,000 | 4,054,000 | 5,339,000 |
| Interest expense | 207,000 | 409,000 | 607,000 | 791,000 |
| Net interest income | 1,171,000 | 2,319,000 | 3,447,000 | 4,548,000 |
| Noninterest income | 357,000 | 871,000 | 1,430,000 | 2,023,000 |
| Noninterest expense | 1,073,000 | 2,223,000 | 3,405,000 | 4,722,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 457,000 | 1,007,000 | 1,549,000 | 1,970,000 |
| Income tax | 89,000 | 210,000 | 333,000 | 416,000 |
| Net income | 368,000 | 797,000 | 1,216,000 | 1,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,651,000 | 13,081,000 | 13,502,000 | 13,448,000 |
| Total capital | 13,627,000 | 14,052,000 | 14,435,000 | 14,405,000 |
| Risk-weighted assets | 77,088,000 | 77,111,000 | 74,043,000 | 75,965,000 |