Call reports 2015
OSGOOD BANK — 2015
What OSGOOD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 160,602,000 | 169,912,000 | 179,121,000 | 184,036,000 |
| Total loans | 86,546,000 | 89,509,000 | 90,988,000 | 98,752,000 |
| Allowance for loan losses | 1,360,000 | 1,381,000 | 1,411,000 | 1,386,000 |
| Securities available for sale | 45,767,000 | 45,867,000 | 50,527,000 | 51,554,000 |
| Securities held to maturity | 7,249,000 | 6,262,000 | 6,261,000 | 6,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,844,000 | 143,340,000 | 152,381,000 | 157,744,000 |
| Interest-bearing deposits | 105,330,000 | 110,978,000 | 118,322,000 | 116,930,000 |
| Noninterest-bearing deposits | 27,514,000 | 32,362,000 | 34,059,000 | 40,814,000 |
| Equity capital | 16,926,000 | 16,915,000 | 17,222,000 | 17,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 2,970,000 | 4,488,000 | 6,111,000 |
| Interest expense | 135,000 | 274,000 | 420,000 | 575,000 |
| Net interest income | 1,356,000 | 2,696,000 | 4,068,000 | 5,536,000 |
| Noninterest income | 340,000 | 659,000 | 971,000 | 1,276,000 |
| Noninterest expense | 1,312,000 | 2,683,000 | 4,021,000 | 5,356,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 0 |
| Pretax income | 381,000 | 639,000 | 985,000 | 1,453,000 |
| Income tax | 72,000 | 101,000 | 153,000 | 243,000 |
| Net income | 309,000 | 538,000 | 832,000 | 1,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,391,000 | 15,619,000 | 15,923,000 | 15,862,000 |
| Total capital | 16,682,000 | 16,956,000 | 17,296,000 | 17,248,000 |
| Risk-weighted assets | 103,265,000 | 106,950,000 | 109,810,000 | 117,328,000 |