Call reports 2006
ONEIDA SAVINGS BANK, THE — 2006
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 424,098,000 | 433,342,000 | 431,166,000 | 440,740,000 |
| Total loans | 237,692,000 | 246,952,000 | 249,483,000 | 249,579,000 |
| Allowance for loan losses | 2,063,000 | 2,089,000 | 2,096,000 | 2,081,000 |
| Securities available for sale | 126,800,000 | 119,679,000 | 114,761,000 | 114,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,100,000 | 307,510,000 | 303,873,000 | 313,329,000 |
| Interest-bearing deposits | 255,280,000 | 255,249,000 | 288,171,000 | 296,888,000 |
| Noninterest-bearing deposits | 50,820,000 | 52,261,000 | 15,702,000 | 16,441,000 |
| Equity capital | 51,560,000 | 51,721,000 | 53,835,000 | 56,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,450,000 | 11,126,000 | 16,903,000 | 22,865,000 |
| Interest expense | 2,156,000 | 4,397,000 | 6,815,000 | 9,348,000 |
| Net interest income | 3,294,000 | 6,729,000 | 10,088,000 | 13,517,000 |
| Noninterest income | 3,391,000 | 8,241,000 | 12,138,000 | 17,063,000 |
| Noninterest expense | 5,384,000 | 12,167,000 | 18,208,000 | 24,821,000 |
| Provision for loan losses | 80,000 | 160,000 | 240,000 | 280,000 |
| Pretax income | 1,252,000 | 2,665,000 | 3,777,000 | 5,787,000 |
| Income tax | 313,000 | 667,000 | 965,000 | 1,541,000 |
| Net income | 939,000 | 1,998,000 | 2,812,000 | 4,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,944,000 | 33,873,000 | 34,923,000 | 37,024,000 |
| Total capital | 40,183,000 | 35,962,000 | 37,153,000 | 39,183,000 |
| Risk-weighted assets | 281,938,000 | 291,012,000 | 292,183,000 | 293,852,000 |