Call reports 2018
OSGOOD BANK — 2018
What OSGOOD BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 225,227,000 | 229,900,000 | 245,229,000 | 255,780,000 |
| Total loans | 158,144,000 | 165,994,000 | 171,432,000 | 173,955,000 |
| Allowance for loan losses | 2,041,000 | 2,148,000 | 2,262,000 | 2,373,000 |
| Securities available for sale | 46,197,000 | 44,597,000 | 43,555,000 | 43,053,000 |
| Securities held to maturity | 2,558,000 | 2,557,000 | 2,558,000 | 2,361,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,206,000 | 198,844,000 | 214,912,000 | 224,994,000 |
| Interest-bearing deposits | 150,176,000 | 157,603,000 | 175,143,000 | 180,988,000 |
| Noninterest-bearing deposits | 39,030,000 | 41,241,000 | 39,769,000 | 44,006,000 |
| Equity capital | 24,140,000 | 24,776,000 | 25,207,000 | 25,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,351,000 | 4,879,000 | 7,555,000 | 10,415,000 |
| Interest expense | 283,000 | 627,000 | 1,058,000 | 1,593,000 |
| Net interest income | 2,068,000 | 4,252,000 | 6,497,000 | 8,822,000 |
| Noninterest income | 273,000 | 592,000 | 978,000 | 1,310,000 |
| Noninterest expense | 1,688,000 | 3,427,000 | 5,206,000 | 7,061,000 |
| Provision for loan losses | 120,000 | 225,000 | 335,000 | 455,000 |
| Pretax income | 533,000 | 1,192,000 | 1,934,000 | 2,616,000 |
| Income tax | 97,000 | 179,000 | 284,000 | 384,000 |
| Net income | 436,000 | 1,013,000 | 1,650,000 | 2,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,894,000 | 24,521,000 | 25,191,000 | 25,137,000 |
| Total capital | 25,935,000 | 26,669,000 | 27,453,000 | 27,510,000 |
| Risk-weighted assets | 181,317,000 | 188,183,000 | 194,014,000 | 196,820,000 |