Call reports 2007
ONEIDA SAVINGS BANK, THE — 2007
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 453,893,000 | 503,615,000 | 514,521,000 | 521,469,000 |
| Total loans | 246,239,000 | 278,913,000 | 283,585,000 | 286,902,000 |
| Allowance for loan losses | 2,085,000 | 2,609,000 | 2,548,000 | 2,511,000 |
| Securities available for sale | 105,141,000 | 123,872,000 | 128,178,000 | 142,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,951,000 | 383,965,000 | 394,226,000 | 400,429,000 |
| Interest-bearing deposits | 304,799,000 | 364,148,000 | 368,554,000 | 379,805,000 |
| Noninterest-bearing deposits | 15,152,000 | 19,817,000 | 25,672,000 | 20,624,000 |
| Equity capital | 56,833,000 | 56,548,000 | 57,933,000 | 58,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,859,000 | 12,512,000 | 19,372,000 | 26,454,000 |
| Interest expense | 2,612,000 | 5,604,000 | 8,735,000 | 12,008,000 |
| Net interest income | 3,247,000 | 6,908,000 | 10,637,000 | 14,446,000 |
| Noninterest income | 4,245,000 | 8,767,000 | 13,325,000 | 17,816,000 |
| Noninterest expense | 6,522,000 | 13,677,000 | 20,665,000 | 27,756,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 971,000 | 1,999,000 | 3,298,000 | 4,859,000 |
| Income tax | 257,000 | 568,000 | 918,000 | 1,368,000 |
| Net income | 714,000 | 1,431,000 | 2,380,000 | 3,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,738,000 | 32,830,000 | 33,669,000 | 32,708,000 |
| Total capital | 39,879,000 | 35,439,000 | 36,217,000 | 35,219,000 |
| Risk-weighted assets | 304,590,000 | 331,562,000 | 342,253,000 | 346,023,000 |