Call reports 2003
ONEIDA SAVINGS BANK, THE — 2003
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 416,863,000 | 426,010,000 | 421,661,000 | 425,949,000 |
| Total loans | 203,523,000 | 201,116,000 | 206,415,000 | 202,716,000 |
| Allowance for loan losses | 2,108,000 | 2,121,000 | 2,146,000 | 2,115,000 |
| Securities available for sale | 155,819,000 | 157,888,000 | 156,902,000 | 169,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,352,000 | 304,480,000 | 310,497,000 | 307,609,000 |
| Interest-bearing deposits | 59,591,000 | 255,367,000 | 258,909,000 | 257,071,000 |
| Noninterest-bearing deposits | 238,761,000 | 49,113,000 | 51,588,000 | 50,538,000 |
| Equity capital | 42,990,000 | 45,028,000 | 44,092,000 | 45,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,422,000 | 10,915,000 | 16,332,000 | 21,412,000 |
| Interest expense | 2,182,000 | 4,300,000 | 6,356,000 | 8,222,000 |
| Net interest income | 3,240,000 | 6,615,000 | 9,976,000 | 13,190,000 |
| Noninterest income | 2,464,000 | 5,153,000 | 7,498,000 | 10,103,000 |
| Noninterest expense | 4,507,000 | 9,130,000 | 13,754,000 | 19,274,000 |
| Provision for loan losses | 120,000 | 305,000 | 411,000 | 531,000 |
| Pretax income | 1,266,000 | 2,520,000 | 3,537,000 | 4,173,000 |
| Income tax | 390,000 | 760,000 | 1,036,000 | 1,123,000 |
| Net income | 876,000 | 1,760,000 | 2,501,000 | 3,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,960,000 | 31,710,000 | 31,642,000 | 32,073,000 |
| Total capital | 33,071,000 | 33,831,000 | 33,816,000 | 34,329,000 |
| Risk-weighted assets | 263,570,000 | 264,973,000 | 262,021,000 | 260,123,000 |