Call reports 2020
OSGOOD BANK — 2020
What OSGOOD BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 285,838,000 | 324,940,000 | 322,818,000 | 336,989,000 |
| Total loans | 193,895,000 | 224,801,000 | 224,811,000 | 213,413,000 |
| Allowance for loan losses | 3,144,000 | 3,902,000 | 3,966,000 | 4,434,000 |
| Securities available for sale | 49,543,000 | 54,191,000 | 64,916,000 | 73,517,000 |
| Securities held to maturity | 1,351,000 | 1,351,000 | 1,351,000 | 1,351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,184,000 | 253,952,000 | 255,855,000 | 272,228,000 |
| Interest-bearing deposits | 188,072,000 | 203,827,000 | 205,355,000 | 213,075,000 |
| Noninterest-bearing deposits | 39,112,000 | 50,125,000 | 50,500,000 | 59,153,000 |
| Equity capital | 27,516,000 | 31,183,000 | 32,331,000 | 32,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,108,000 | 6,513,000 | 9,813,000 | 13,200,000 |
| Interest expense | 526,000 | 973,000 | 1,325,000 | 1,597,000 |
| Net interest income | 2,582,000 | 5,540,000 | 8,488,000 | 11,603,000 |
| Noninterest income | 367,000 | 1,195,000 | 1,818,000 | 2,621,000 |
| Noninterest expense | 1,980,000 | 3,874,000 | 6,167,000 | 8,634,000 |
| Provision for loan losses | 210,000 | 965,000 | 1,025,000 | 1,490,000 |
| Pretax income | 769,000 | 1,906,000 | 3,124,000 | 4,110,000 |
| Income tax | 101,000 | 274,000 | 464,000 | 597,000 |
| Net income | 668,000 | 1,632,000 | 2,660,000 | 3,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,442,000 | 28,433,000 | 29,490,000 | 29,442,000 |
| Total capital | 30,561,000 | 31,417,000 | 32,535,000 | 32,557,000 |
| Risk-weighted assets | 249,500,000 | 237,793,000 | 242,684,000 | 247,855,000 |