Call reports 2002
ONEIDA SAVINGS BANK, THE — 2002
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 352,342,000 | 414,233,000 | 417,842,000 | 414,577,000 |
| Total loans | 170,575,000 | 197,072,000 | 200,598,000 | 200,357,000 |
| Allowance for loan losses | 1,364,000 | 2,423,000 | 2,484,000 | 2,109,000 |
| Securities available for sale | 129,752,000 | 155,507,000 | 167,805,000 | 156,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,532,000 | 299,339,000 | 297,484,000 | 293,246,000 |
| Interest-bearing deposits | 201,051,000 | 241,382,000 | 239,370,000 | 247,119,000 |
| Noninterest-bearing deposits | 30,481,000 | 57,957,000 | 58,114,000 | 46,127,000 |
| Equity capital | 40,640,000 | 41,710,000 | 42,709,000 | 42,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,086,000 | 10,463,000 | 16,270,000 | 22,005,000 |
| Interest expense | 2,636,000 | 5,181,000 | 7,763,000 | 10,170,000 |
| Net interest income | 2,450,000 | 5,282,000 | 8,507,000 | 11,835,000 |
| Noninterest income | 2,025,000 | 3,949,000 | 6,059,000 | 8,185,000 |
| Noninterest expense | 3,429,000 | 7,127,000 | 11,332,000 | 15,777,000 |
| Provision for loan losses | 190,000 | 270,000 | 350,000 | 164,000 |
| Pretax income | 857,000 | 1,837,000 | 2,998,000 | 4,377,000 |
| Income tax | 255,000 | 516,000 | 860,000 | 1,167,000 |
| Net income | 602,000 | 1,321,000 | 2,138,000 | 3,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,559,000 | 30,440,000 | 30,201,000 | 29,938,000 |
| Total capital | 37,000,000 | 32,863,000 | 32,685,000 | 32,047,000 |
| Risk-weighted assets | 218,917,000 | 251,143,000 | 258,585,000 | 258,055,000 |