Call reports 2024
OSGOOD BANK — 2024
What OSGOOD BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 403,209,000 | 470,272,000 | 493,436,000 | 491,603,000 |
| Total loans | 302,746,000 | 305,509,000 | 305,832,000 | 305,443,000 |
| Allowance for loan losses | 5,305,000 | 5,257,000 | 5,254,000 | 5,182,000 |
| Securities available for sale | 12,328,000 | 76,420,000 | 83,998,000 | 82,199,000 |
| Securities held to maturity | 52,234,000 | 52,199,000 | 52,119,000 | 52,092,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,379,000 | 406,691,000 | 428,333,000 | 431,363,000 |
| Interest-bearing deposits | 313,822,000 | 377,236,000 | 397,239,000 | 396,745,000 |
| Noninterest-bearing deposits | 27,557,000 | 29,455,000 | 31,094,000 | 34,618,000 |
| Equity capital | 31,781,000 | 32,809,000 | 34,344,000 | 34,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,231,000 | 11,031,000 | 17,619,000 | 24,248,000 |
| Interest expense | 2,146,000 | 4,533,000 | 7,295,000 | 9,925,000 |
| Net interest income | 3,085,000 | 6,498,000 | 10,324,000 | 14,323,000 |
| Noninterest income | 457,000 | 1,194,000 | 1,801,000 | 2,397,000 |
| Noninterest expense | 2,502,000 | 5,446,000 | 8,343,000 | 11,214,000 |
| Provision for loan losses | 0 | 0 | 0 | 65,000 |
| Pretax income | 1,171,000 | 2,387,000 | 3,925,000 | 5,664,000 |
| Income tax | 122,000 | 306,000 | 548,000 | 836,000 |
| Net income | 1,049,000 | 2,081,000 | 3,377,000 | 4,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,589,000 | 41,626,000 | 42,882,000 | 40,965,000 |
| Total capital | 45,278,000 | 46,308,000 | 47,585,000 | 45,639,000 |
| Risk-weighted assets | 374,215,000 | 373,750,000 | 375,434,000 | 373,278,000 |