Call reports 2011
ONEIDA SAVINGS BANK, THE — 2011
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 681,152,000 | 656,021,000 | 677,999,000 | 664,055,000 |
| Total loans | 288,170,000 | 284,289,000 | 290,741,000 | 288,982,000 |
| Allowance for loan losses | 4,641,000 | 3,070,000 | 3,101,000 | 2,899,000 |
| Securities available for sale | 234,016,000 | 205,973,000 | 204,235,000 | 197,305,000 |
| Securities held to maturity | 22,176,000 | 56,325,000 | 54,165,000 | 47,199,000 |
| Trading assets | 7,252,000 | 7,635,000 | 6,970,000 | 7,011,000 |
| Total deposits | 583,791,000 | 552,593,000 | 563,906,000 | 556,479,000 |
| Interest-bearing deposits | 552,617,000 | 539,250,000 | 539,742,000 | 532,738,000 |
| Noninterest-bearing deposits | 31,174,000 | 13,343,000 | 24,164,000 | 23,741,000 |
| Equity capital | 74,351,000 | 79,290,000 | 81,975,000 | 83,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,985,000 | 12,005,000 | 17,982,000 | 23,748,000 |
| Interest expense | 1,159,000 | 2,181,000 | 3,127,000 | 4,023,000 |
| Net interest income | 4,826,000 | 9,824,000 | 14,855,000 | 19,725,000 |
| Noninterest income | 6,387,000 | 13,007,000 | 17,936,000 | 24,552,000 |
| Noninterest expense | 8,631,000 | 17,126,000 | 26,106,000 | 34,876,000 |
| Provision for loan losses | 400,000 | 950,000 | 1,000,000 | 1,050,000 |
| Pretax income | 1,958,000 | 4,547,000 | 5,657,000 | 8,409,000 |
| Income tax | 436,000 | 1,105,000 | 1,521,000 | 2,160,000 |
| Net income | 1,458,000 | 3,314,000 | 4,328,000 | 6,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,444,000 | 60,431,000 | 59,092,000 | 61,146,000 |
| Total capital | 63,085,000 | 63,501,000 | 62,193,000 | 64,045,000 |
| Risk-weighted assets | 408,706,000 | 397,541,000 | 405,957,000 | 409,975,000 |