Call reports 2023
OSGOOD BANK — 2023
What OSGOOD BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 379,749,000 | 385,053,000 | 397,830,000 | 402,348,000 |
| Total loans | 279,303,000 | 285,614,000 | 294,805,000 | 301,983,000 |
| Allowance for loan losses | 5,594,000 | 5,598,000 | 5,601,000 | 5,301,000 |
| Securities available for sale | 15,827,000 | 14,512,000 | 14,227,000 | 14,688,000 |
| Securities held to maturity | 52,441,000 | 52,358,000 | 52,294,000 | 52,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,115,000 | 335,095,000 | 337,312,000 | 337,936,000 |
| Interest-bearing deposits | 309,099,000 | 304,436,000 | 307,180,000 | 307,529,000 |
| Noninterest-bearing deposits | 33,016,000 | 30,659,000 | 30,132,000 | 30,407,000 |
| Equity capital | 28,617,000 | 29,608,000 | 30,191,000 | 31,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,334,000 | 8,934,000 | 13,832,000 | 19,002,000 |
| Interest expense | 894,000 | 2,218,000 | 3,886,000 | 5,856,000 |
| Net interest income | 3,440,000 | 6,716,000 | 9,946,000 | 13,146,000 |
| Noninterest income | 306,000 | 636,000 | 982,000 | 1,319,000 |
| Noninterest expense | 2,442,000 | 4,921,000 | 7,392,000 | 9,746,000 |
| Provision for loan losses | 0 | 0 | 0 | -304,000 |
| Pretax income | 1,273,000 | 2,383,000 | 3,493,000 | 5,223,000 |
| Income tax | 165,000 | 308,000 | 446,000 | 714,000 |
| Net income | 1,108,000 | 2,075,000 | 3,047,000 | 4,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,105,000 | 39,032,000 | 39,666,000 | 39,953,000 |
| Total capital | 42,552,000 | 43,570,000 | 44,282,000 | 44,630,000 |
| Risk-weighted assets | 354,071,000 | 361,529,000 | 367,746,000 | 373,268,000 |