Call reports 2021
OSGOOD BANK — 2021
What OSGOOD BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 344,338,000 | 358,670,000 | 366,702,000 | 364,046,000 |
| Total loans | 224,303,000 | 229,166,000 | 225,185,000 | 230,222,000 |
| Allowance for loan losses | 4,433,000 | 4,437,000 | 4,442,000 | 5,437,000 |
| Securities available for sale | 85,369,000 | 86,194,000 | 90,662,000 | 108,095,000 |
| Securities held to maturity | 1,351,000 | 1,351,000 | 1,351,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,822,000 | 298,122,000 | 305,830,000 | 303,257,000 |
| Interest-bearing deposits | 229,972,000 | 239,716,000 | 263,619,000 | 258,052,000 |
| Noninterest-bearing deposits | 56,850,000 | 58,406,000 | 42,211,000 | 45,205,000 |
| Equity capital | 32,667,000 | 34,894,000 | 36,170,000 | 36,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,432,000 | 7,057,000 | 11,267,000 | 15,189,000 |
| Interest expense | 210,000 | 383,000 | 548,000 | 712,000 |
| Net interest income | 3,222,000 | 6,674,000 | 10,719,000 | 14,477,000 |
| Noninterest income | 671,000 | 1,149,000 | 1,440,000 | 2,147,000 |
| Noninterest expense | 2,424,000 | 4,878,000 | 7,500,000 | 9,927,000 |
| Provision for loan losses | 0 | 0 | 0 | 991,000 |
| Pretax income | 1,469,000 | 2,935,000 | 4,653,000 | 5,694,000 |
| Income tax | 227,000 | 443,000 | 707,000 | 812,000 |
| Net income | 1,242,000 | 2,492,000 | 3,946,000 | 4,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,715,000 | 31,976,000 | 33,441,000 | 33,323,000 |
| Total capital | 33,879,000 | 35,365,000 | 37,001,000 | 37,156,000 |
| Risk-weighted assets | 251,871,000 | 270,049,000 | 283,933,000 | 305,008,000 |