Call reports 2008
ONEIDA SAVINGS BANK, THE — 2008
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 542,777,000 | 549,326,000 | 549,758,000 | 540,150,000 |
| Total loans | 283,628,000 | 293,298,000 | 301,351,000 | 305,210,000 |
| Allowance for loan losses | 2,496,000 | 2,528,000 | 2,488,000 | 2,624,000 |
| Securities available for sale | 146,700,000 | 151,541,000 | 138,212,000 | 134,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,041,000 | 13,037,000 | 6,591,000 | 5,941,000 |
| Total deposits | 422,560,000 | 428,424,000 | 439,956,000 | 425,798,000 |
| Interest-bearing deposits | 406,367,000 | 400,394,000 | 424,225,000 | 416,162,000 |
| Noninterest-bearing deposits | 16,193,000 | 28,030,000 | 15,731,000 | 9,636,000 |
| Equity capital | 58,607,000 | 56,820,000 | 51,432,000 | 53,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,718,000 | 13,433,000 | 20,085,000 | 26,727,000 |
| Interest expense | 3,001,000 | 5,849,000 | 8,576,000 | 11,076,000 |
| Net interest income | 3,717,000 | 7,584,000 | 11,509,000 | 15,651,000 |
| Noninterest income | 4,007,000 | 8,471,000 | 6,489,000 | 10,583,000 |
| Noninterest expense | 7,151,000 | 14,391,000 | 21,394,000 | 28,538,000 |
| Provision for loan losses | 0 | 150,000 | 275,000 | 525,000 |
| Pretax income | 569,000 | 1,532,000 | -4,479,000 | -3,788,000 |
| Income tax | 155,000 | 411,000 | -1,195,000 | -2,188,000 |
| Net income | 414,000 | 1,121,000 | -3,284,000 | -1,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,147,000 | 34,982,000 | 33,296,000 | 34,590,000 |
| Total capital | 36,643,000 | 37,510,000 | 35,784,000 | 37,214,000 |
| Risk-weighted assets | 349,643,000 | 360,085,000 | 357,325,000 | 364,619,000 |