Call reports 2009
ONEIDA SAVINGS BANK, THE — 2009
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 549,613,000 | 559,402,000 | 577,067,000 | 591,241,000 |
| Total loans | 298,947,000 | 295,487,000 | 298,526,000 | 298,823,000 |
| Allowance for loan losses | 2,554,000 | 2,624,000 | 2,875,000 | 2,901,000 |
| Securities available for sale | 136,793,000 | 129,198,000 | 114,520,000 | 114,533,000 |
| Securities held to maturity | 0 | 23,775,000 | 49,692,000 | 47,692,000 |
| Trading assets | 5,503,000 | 6,491,000 | 7,220,000 | 7,627,000 |
| Total deposits | 446,224,000 | 460,974,000 | 479,747,000 | 489,897,000 |
| Interest-bearing deposits | 439,754,000 | 438,336,000 | 456,910,000 | 478,119,000 |
| Noninterest-bearing deposits | 6,470,000 | 22,638,000 | 22,837,000 | 11,778,000 |
| Equity capital | 51,993,000 | 54,703,000 | 57,073,000 | 57,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,233,000 | 12,505,000 | 18,761,000 | 25,075,000 |
| Interest expense | 2,173,000 | 4,107,000 | 5,898,000 | 7,574,000 |
| Net interest income | 4,060,000 | 8,398,000 | 12,863,000 | 17,501,000 |
| Noninterest income | 5,101,000 | 11,045,000 | 16,524,000 | 22,418,000 |
| Noninterest expense | 7,848,000 | 15,967,000 | 23,879,000 | 32,017,000 |
| Provision for loan losses | 0 | 160,000 | 560,000 | 760,000 |
| Pretax income | 1,551,000 | 3,100,000 | 4,074,000 | 5,635,000 |
| Income tax | 418,000 | 837,000 | 1,100,000 | 1,331,000 |
| Net income | 1,133,000 | 2,263,000 | 2,974,000 | 4,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,774,000 | 36,993,000 | 37,956,000 | 39,734,000 |
| Total capital | 38,328,000 | 39,617,000 | 40,831,000 | 42,635,000 |
| Risk-weighted assets | 370,364,000 | 389,933,000 | 396,984,000 | 397,494,000 |