Call reports 2001
ONEIDA SAVINGS BANK, THE — 2001
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 324,929,000 | 335,404,000 | 341,163,000 | 349,935,000 |
| Total loans | 168,144,000 | 168,049,000 | 172,315,000 | 172,846,000 |
| Allowance for loan losses | 1,707,000 | 1,710,000 | 1,697,000 | 1,672,000 |
| Securities available for sale | 120,407,000 | 120,922,000 | 122,274,000 | 125,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,402,000 | 216,053,000 | 220,918,000 | 231,021,000 |
| Interest-bearing deposits | 185,465,000 | 189,429,000 | 193,684,000 | 200,198,000 |
| Noninterest-bearing deposits | 23,937,000 | 26,624,000 | 27,234,000 | 30,823,000 |
| Equity capital | 38,146,000 | 38,112,000 | 39,309,000 | 39,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,762,000 | 11,615,000 | 17,203,000 | 22,701,000 |
| Interest expense | 3,135,000 | 6,214,000 | 9,329,000 | 12,237,000 |
| Net interest income | 2,627,000 | 5,401,000 | 7,874,000 | 10,464,000 |
| Noninterest income | 1,544,000 | 3,187,000 | 4,995,000 | 6,911,000 |
| Noninterest expense | 3,181,000 | 6,492,000 | 9,729,000 | 13,195,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 886,000 | 1,846,000 | 2,824,000 | 3,898,000 |
| Income tax | 268,000 | 569,000 | 842,000 | 1,015,000 |
| Net income | 618,000 | 1,277,000 | 1,982,000 | 2,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,111,000 | 33,583,000 | 34,413,000 | 35,101,000 |
| Total capital | 34,925,000 | 35,443,000 | 36,175,000 | 36,907,000 |
| Risk-weighted assets | 199,574,000 | 199,691,000 | 209,894,000 | 215,399,000 |