Call reports 2017
OSGOOD BANK — 2017
What OSGOOD BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 199,299,000 | 209,173,000 | 210,206,000 | 215,744,000 |
| Total loans | 124,190,000 | 130,355,000 | 142,129,000 | 147,953,000 |
| Allowance for loan losses | 1,623,000 | 1,645,000 | 1,685,000 | 1,918,000 |
| Securities available for sale | 49,393,000 | 48,346,000 | 49,383,000 | 48,127,000 |
| Securities held to maturity | 5,066,000 | 4,293,000 | 3,793,000 | 3,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,672,000 | 176,431,000 | 174,167,000 | 177,017,000 |
| Interest-bearing deposits | 129,229,000 | 131,039,000 | 136,877,000 | 134,481,000 |
| Noninterest-bearing deposits | 36,443,000 | 45,392,000 | 37,290,000 | 42,536,000 |
| Equity capital | 17,907,000 | 18,756,000 | 24,415,000 | 24,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,896,000 | 3,914,000 | 6,067,000 | 8,352,000 |
| Interest expense | 173,000 | 380,000 | 600,000 | 831,000 |
| Net interest income | 1,723,000 | 3,534,000 | 5,467,000 | 7,521,000 |
| Noninterest income | 296,000 | 586,000 | 887,000 | 1,265,000 |
| Noninterest expense | 1,561,000 | 3,140,000 | 4,832,000 | 6,436,000 |
| Provision for loan losses | 25,000 | 55,000 | 93,000 | 339,000 |
| Pretax income | 436,000 | 929,000 | 1,433,000 | 2,015,000 |
| Income tax | 56,000 | 139,000 | 237,000 | 173,000 |
| Net income | 380,000 | 790,000 | 1,196,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,299,000 | 17,743,000 | 23,479,000 | 23,413,000 |
| Total capital | 18,922,000 | 19,388,000 | 25,164,000 | 25,331,000 |
| Risk-weighted assets | 147,134,000 | 155,577,000 | 164,233,000 | 171,310,000 |