Call reports 2016
OSGOOD BANK — 2016
What OSGOOD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 184,413,000 | 180,049,000 | 189,774,000 | 193,848,000 |
| Total loans | 99,317,000 | 104,167,000 | 110,850,000 | 119,215,000 |
| Allowance for loan losses | 1,391,000 | 1,405,000 | 1,414,000 | 1,571,000 |
| Securities available for sale | 51,284,000 | 54,582,000 | 55,146,000 | 51,339,000 |
| Securities held to maturity | 6,257,000 | 6,255,000 | 5,765,000 | 5,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,970,000 | 153,474,000 | 161,945,000 | 163,622,000 |
| Interest-bearing deposits | 122,780,000 | 119,878,000 | 124,837,000 | 124,086,000 |
| Noninterest-bearing deposits | 35,190,000 | 33,596,000 | 37,108,000 | 39,536,000 |
| Equity capital | 17,648,000 | 18,173,000 | 18,566,000 | 17,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,650,000 | 3,335,000 | 5,126,000 | 6,959,000 |
| Interest expense | 157,000 | 315,000 | 472,000 | 629,000 |
| Net interest income | 1,493,000 | 3,020,000 | 4,654,000 | 6,330,000 |
| Noninterest income | 286,000 | 652,000 | 1,132,000 | 1,570,000 |
| Noninterest expense | 1,483,000 | 2,984,000 | 4,498,000 | 5,952,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 322,000 | 728,000 | 1,340,000 | 1,850,000 |
| Income tax | 41,000 | 109,000 | 242,000 | 340,000 |
| Net income | 281,000 | 619,000 | 1,098,000 | 1,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,170,000 | 16,518,000 | 17,006,000 | 16,873,000 |
| Total capital | 17,561,000 | 17,923,000 | 18,420,000 | 18,444,000 |
| Risk-weighted assets | 119,444,000 | 124,149,000 | 132,752,000 | 139,305,000 |