Call reports 2014
OSGOOD BANK — 2014
What OSGOOD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 148,990,000 | 150,197,000 | 156,508,000 | 155,620,000 |
| Total loans | 70,836,000 | 72,806,000 | 79,496,000 | 85,415,000 |
| Allowance for loan losses | 1,401,000 | 1,416,000 | 1,340,000 | 1,349,000 |
| Securities available for sale | 51,418,000 | 50,286,000 | 48,921,000 | 48,198,000 |
| Securities held to maturity | 10,372,000 | 8,625,000 | 8,626,000 | 7,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,875,000 | 126,966,000 | 131,838,000 | 131,008,000 |
| Interest-bearing deposits | 100,363,000 | 100,674,000 | 104,495,000 | 101,413,000 |
| Noninterest-bearing deposits | 25,512,000 | 26,292,000 | 27,343,000 | 29,595,000 |
| Equity capital | 15,732,000 | 16,213,000 | 16,576,000 | 16,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,713,000 | 4,113,000 | 5,581,000 |
| Interest expense | 138,000 | 277,000 | 423,000 | 560,000 |
| Net interest income | 1,239,000 | 2,436,000 | 3,690,000 | 5,021,000 |
| Noninterest income | 283,000 | 613,000 | 967,000 | 1,260,000 |
| Noninterest expense | 1,217,000 | 2,461,000 | 3,690,000 | 4,965,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 305,000 | 591,000 | 977,000 | 1,326,000 |
| Income tax | 41,000 | 76,000 | 146,000 | 207,000 |
| Net income | 264,000 | 515,000 | 831,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,194,000 | 14,451,000 | 14,766,000 | 14,643,000 |
| Total capital | 15,301,000 | 15,568,000 | 15,961,000 | 15,906,000 |
| Risk-weighted assets | 88,326,000 | 89,065,000 | 95,479,000 | 100,934,000 |