Call reports 2004
ONEIDA SAVINGS BANK, THE — 2004
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 424,496,000 | 429,177,000 | 425,681,000 | 421,888,000 |
| Total loans | 202,803,000 | 208,897,000 | 216,336,000 | 213,958,000 |
| Allowance for loan losses | 2,189,000 | 2,279,000 | 2,340,000 | 1,981,000 |
| Securities available for sale | 166,104,000 | 165,371,000 | 155,094,000 | 149,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,655,000 | 311,438,000 | 308,812,000 | 304,573,000 |
| Interest-bearing deposits | 258,435,000 | 258,956,000 | 254,267,000 | 253,641,000 |
| Noninterest-bearing deposits | 50,220,000 | 52,482,000 | 54,545,000 | 50,932,000 |
| Equity capital | 47,015,000 | 44,067,000 | 47,611,000 | 48,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,966,000 | 10,053,000 | 15,112,000 | 20,232,000 |
| Interest expense | 1,711,000 | 3,410,000 | 5,120,000 | 6,840,000 |
| Net interest income | 3,255,000 | 6,643,000 | 9,992,000 | 13,392,000 |
| Noninterest income | 2,567,000 | 5,393,000 | 8,386,000 | 11,179,000 |
| Noninterest expense | 4,729,000 | 9,456,000 | 14,252,000 | 18,778,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 974,000 | 2,225,000 | 3,724,000 | 4,382,000 |
| Income tax | 255,000 | 600,000 | 1,012,000 | 1,018,000 |
| Net income | 719,000 | 1,625,000 | 2,712,000 | 3,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,482,000 | 33,122,000 | 33,880,000 | 35,360,000 |
| Total capital | 35,671,000 | 35,401,000 | 36,220,000 | 37,421,000 |
| Risk-weighted assets | 256,053,000 | 264,457,000 | 259,073,000 | 257,442,000 |