Call reports 2025
OSGOOD BANK — 2025
What OSGOOD BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 490,866,000 | 483,134,000 | 499,729,000 | 508,523,000 |
| Total loans | 303,659,000 | 304,531,000 | 306,413,000 | 298,169,000 |
| Allowance for loan losses | 5,189,000 | 5,268,000 | 5,346,000 | 6,005,000 |
| Securities available for sale | 78,234,000 | 73,653,000 | 84,225,000 | 75,091,000 |
| Securities held to maturity | 52,068,000 | 52,035,000 | 51,998,000 | 51,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,918,000 | 424,995,000 | 439,505,000 | 448,275,000 |
| Interest-bearing deposits | 397,091,000 | 393,341,000 | 406,876,000 | 414,142,000 |
| Noninterest-bearing deposits | 31,827,000 | 31,654,000 | 32,629,000 | 34,133,000 |
| Equity capital | 35,722,000 | 37,273,000 | 39,175,000 | 39,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,286,000 | 12,723,000 | 19,303,000 | 26,133,000 |
| Interest expense | 2,244,000 | 4,444,000 | 6,779,000 | 9,132,000 |
| Net interest income | 4,042,000 | 8,279,000 | 12,524,000 | 17,001,000 |
| Noninterest income | 493,000 | 1,032,000 | 1,501,000 | 1,944,000 |
| Noninterest expense | 2,798,000 | 5,639,000 | 8,475,000 | 11,428,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 | 810,000 |
| Pretax income | 1,737,000 | 3,623,000 | 5,405,000 | 6,784,000 |
| Income tax | 293,000 | 606,000 | 893,000 | 1,112,000 |
| Net income | 1,444,000 | 3,017,000 | 4,512,000 | 5,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,195,000 | 43,721,000 | 45,217,000 | 45,014,000 |
| Total capital | 46,873,000 | 48,417,000 | 49,907,000 | 49,601,000 |
| Risk-weighted assets | 373,569,000 | 374,966,000 | 374,343,000 | 365,413,000 |