Call reports 2010
ONEIDA SAVINGS BANK, THE — 2010
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 598,080,000 | 614,906,000 | 646,894,000 | 659,466,000 |
| Total loans | 296,475,000 | 294,798,000 | 289,717,000 | 287,738,000 |
| Allowance for loan losses | 3,300,000 | 3,452,000 | 4,099,000 | 4,277,000 |
| Securities available for sale | 128,108,000 | 166,725,000 | 199,499,000 | 225,547,000 |
| Securities held to maturity | 42,697,000 | 31,442,000 | 25,192,000 | 24,144,000 |
| Trading assets | 7,757,000 | 6,884,000 | 7,283,000 | 7,691,000 |
| Total deposits | 505,779,000 | 521,941,000 | 543,987,000 | 561,227,000 |
| Interest-bearing deposits | 490,831,000 | 502,236,000 | 527,356,000 | 527,535,000 |
| Noninterest-bearing deposits | 14,948,000 | 19,705,000 | 16,631,000 | 33,692,000 |
| Equity capital | 58,604,000 | 60,105,000 | 75,913,000 | 72,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,837,000 | 11,764,000 | 17,782,000 | 23,766,000 |
| Interest expense | 1,556,000 | 3,032,000 | 4,426,000 | 5,681,000 |
| Net interest income | 4,281,000 | 8,732,000 | 13,356,000 | 18,085,000 |
| Noninterest income | 5,883,000 | 10,645,000 | 16,195,000 | 22,663,000 |
| Noninterest expense | 8,223,000 | 16,298,000 | 24,558,000 | 33,085,000 |
| Provision for loan losses | 400,000 | 700,000 | 1,350,000 | 1,650,000 |
| Pretax income | 860,000 | 2,079,000 | 3,230,000 | 5,112,000 |
| Income tax | 198,000 | 449,000 | 743,000 | 1,055,000 |
| Net income | 662,000 | 1,502,000 | 2,339,000 | 3,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,450,000 | 41,358,000 | 56,921,000 | 57,687,000 |
| Total capital | 43,750,000 | 44,810,000 | 61,020,000 | 61,964,000 |
| Risk-weighted assets | 396,302,000 | 398,035,000 | 406,288,000 | 408,927,000 |