Call reports 2022
OSGOOD BANK — 2022
What OSGOOD BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 358,382,000 | 357,231,000 | 358,591,000 | 378,747,000 |
| Total loans | 233,152,000 | 244,602,000 | 250,227,000 | 272,441,000 |
| Allowance for loan losses | 5,441,000 | 5,439,000 | 5,542,000 | 5,546,000 |
| Securities available for sale | 90,577,000 | 29,194,000 | 23,770,000 | 20,283,000 |
| Securities held to maturity | 955,000 | 53,188,000 | 52,657,000 | 52,505,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,935,000 | 328,821,000 | 327,412,000 | 318,343,000 |
| Interest-bearing deposits | 281,551,000 | 286,873,000 | 289,919,000 | 284,039,000 |
| Noninterest-bearing deposits | 41,384,000 | 41,948,000 | 37,493,000 | 34,304,000 |
| Equity capital | 30,918,000 | 24,364,000 | 26,954,000 | 27,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,153,000 | 7,858,000 | 11,751,000 | 15,836,000 |
| Interest expense | 156,000 | 304,000 | 490,000 | 908,000 |
| Net interest income | 3,997,000 | 7,554,000 | 11,261,000 | 14,928,000 |
| Noninterest income | 351,000 | 701,000 | 1,024,000 | 1,338,000 |
| Noninterest expense | 2,417,000 | 5,062,000 | 7,546,000 | 10,142,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 1,939,000 | 3,220,000 | 4,664,000 | 6,055,000 |
| Income tax | 294,000 | 454,000 | 646,000 | 828,000 |
| Net income | 1,645,000 | 2,766,000 | 4,018,000 | 5,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,977,000 | 36,102,000 | 37,357,000 | 37,441,000 |
| Total capital | 38,912,000 | 40,164,000 | 41,484,000 | 41,829,000 |
| Risk-weighted assets | 313,323,000 | 323,563,000 | 328,775,000 | 349,857,000 |