Call reports 2019
OSGOOD BANK — 2019
What OSGOOD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 253,363,000 | 255,155,000 | 264,320,000 | 268,317,000 |
| Total loans | 170,571,000 | 178,664,000 | 178,842,000 | 188,748,000 |
| Allowance for loan losses | 2,448,000 | 2,511,000 | 2,574,000 | 2,937,000 |
| Securities available for sale | 41,189,000 | 53,812,000 | 58,366,000 | 56,935,000 |
| Securities held to maturity | 2,360,000 | 2,361,000 | 2,361,000 | 1,351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,009,000 | 221,827,000 | 230,797,000 | 234,935,000 |
| Interest-bearing deposits | 183,186,000 | 179,764,000 | 186,826,000 | 191,902,000 |
| Noninterest-bearing deposits | 38,823,000 | 42,063,000 | 43,971,000 | 43,033,000 |
| Equity capital | 26,569,000 | 27,939,000 | 28,648,000 | 28,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,921,000 | 5,895,000 | 8,994,000 | 12,095,000 |
| Interest expense | 561,000 | 1,135,000 | 1,712,000 | 2,275,000 |
| Net interest income | 2,360,000 | 4,760,000 | 7,282,000 | 9,820,000 |
| Noninterest income | 289,000 | 581,000 | 992,000 | 1,458,000 |
| Noninterest expense | 1,745,000 | 3,558,000 | 5,488,000 | 7,519,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 540,000 |
| Pretax income | 846,000 | 1,665,000 | 2,608,000 | 3,221,000 |
| Income tax | 126,000 | 244,000 | 404,000 | 517,000 |
| Net income | 720,000 | 1,421,000 | 2,204,000 | 2,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,901,000 | 26,632,000 | 26,925,000 | 26,760,000 |
| Total capital | 28,334,000 | 29,143,000 | 29,499,000 | 29,614,000 |
| Risk-weighted assets | 194,612,000 | 215,305,000 | 219,832,000 | 228,201,000 |