Call reports 2013
OSGOOD BANK — 2013
What OSGOOD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 141,990,000 | 143,701,000 | 146,856,000 | 148,551,000 |
| Total loans | 62,796,000 | 67,802,000 | 69,226,000 | 67,925,000 |
| Allowance for loan losses | 1,485,000 | 1,307,000 | 1,329,000 | 1,382,000 |
| Securities available for sale | 57,274,000 | 58,697,000 | 48,972,000 | 52,775,000 |
| Securities held to maturity | 0 | 0 | 9,701,000 | 10,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,296,000 | 121,724,000 | 124,339,000 | 126,083,000 |
| Interest-bearing deposits | 96,977,000 | 97,502,000 | 99,015,000 | 97,604,000 |
| Noninterest-bearing deposits | 23,319,000 | 24,222,000 | 25,324,000 | 28,479,000 |
| Equity capital | 16,181,000 | 15,359,000 | 15,256,000 | 15,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,226,000 | 2,435,000 | 3,742,000 | 5,052,000 |
| Interest expense | 161,000 | 322,000 | 473,000 | 617,000 |
| Net interest income | 1,065,000 | 2,113,000 | 3,269,000 | 4,435,000 |
| Noninterest income | 431,000 | 810,000 | 1,049,000 | 1,492,000 |
| Noninterest expense | 1,212,000 | 2,435,000 | 3,593,000 | 4,819,000 |
| Provision for loan losses | 0 | 10,000 | 0 | 0 |
| Pretax income | 317,000 | 511,000 | 758,000 | 1,141,000 |
| Income tax | 47,000 | 52,000 | 76,000 | 143,000 |
| Net income | 270,000 | 459,000 | 682,000 | 998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,718,000 | 13,910,000 | 13,990,000 | 13,926,000 |
| Total capital | 14,692,000 | 14,955,000 | 15,057,000 | 14,989,000 |
| Risk-weighted assets | 77,378,000 | 83,324,000 | 85,125,000 | 84,749,000 |