Call reports 2005
ONEIDA SAVINGS BANK, THE — 2005
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 421,805,000 | 437,248,000 | 444,903,000 | 434,782,000 |
| Total loans | 217,480,000 | 229,301,000 | 235,593,000 | 237,968,000 |
| Allowance for loan losses | 1,972,000 | 1,960,000 | 2,001,000 | 1,959,000 |
| Securities available for sale | 150,562,000 | 149,081,000 | 148,557,000 | 134,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,885,000 | 314,926,000 | 315,912,000 | 302,686,000 |
| Interest-bearing deposits | 255,384,000 | 261,062,000 | 261,648,000 | 250,640,000 |
| Noninterest-bearing deposits | 50,501,000 | 53,864,000 | 54,264,000 | 52,046,000 |
| Equity capital | 47,874,000 | 49,516,000 | 49,916,000 | 50,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,167,000 | 10,427,000 | 15,927,000 | 21,524,000 |
| Interest expense | 1,753,000 | 3,563,000 | 5,534,000 | 7,691,000 |
| Net interest income | 3,414,000 | 6,864,000 | 10,393,000 | 13,833,000 |
| Noninterest income | 2,927,000 | 5,932,000 | 8,694,000 | 11,601,000 |
| Noninterest expense | 4,940,000 | 9,924,000 | 14,997,000 | 19,967,000 |
| Provision for loan losses | 80,000 | 160,000 | 260,000 | 360,000 |
| Pretax income | 1,324,000 | 2,755,000 | 3,883,000 | 5,382,000 |
| Income tax | 336,000 | 721,000 | 1,021,000 | 1,420,000 |
| Net income | 988,000 | 2,034,000 | 2,862,000 | 3,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,681,000 | 36,800,000 | 36,416,000 | 37,351,000 |
| Total capital | 37,653,000 | 38,760,000 | 38,417,000 | 39,310,000 |
| Risk-weighted assets | 264,024,000 | 282,928,000 | 289,830,000 | 288,361,000 |