Call reports 2012
ONEIDA SAVINGS BANK, THE — 2012
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 700,004,000 | 676,614,000 | 676,429,000 | 681,296,000 |
| Total loans | 289,215,000 | 296,569,000 | 303,847,000 | 314,540,000 |
| Allowance for loan losses | 3,007,000 | 2,505,000 | 2,640,000 | 2,776,000 |
| Securities available for sale | 227,482,000 | 237,032,000 | 221,096,000 | 228,369,000 |
| Securities held to maturity | 44,172,000 | 34,738,000 | 31,700,000 | 29,077,000 |
| Trading assets | 7,446,000 | 7,687,000 | 7,541,000 | 5,630,000 |
| Total deposits | 593,120,000 | 563,116,000 | 571,498,000 | 574,985,000 |
| Interest-bearing deposits | 570,353,000 | 538,844,000 | 545,602,000 | 549,200,000 |
| Noninterest-bearing deposits | 22,767,000 | 24,272,000 | 25,896,000 | 25,785,000 |
| Equity capital | 84,839,000 | 88,289,000 | 89,267,000 | 87,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,693,000 | 11,434,000 | 17,109,000 | 22,662,000 |
| Interest expense | 827,000 | 1,645,000 | 2,431,000 | 3,174,000 |
| Net interest income | 4,866,000 | 9,789,000 | 14,678,000 | 19,488,000 |
| Noninterest income | 7,181,000 | 13,811,000 | 17,818,000 | 25,055,000 |
| Noninterest expense | 9,205,000 | 17,950,000 | 26,803,000 | 36,329,000 |
| Provision for loan losses | 150,000 | 300,000 | 480,000 | 740,000 |
| Pretax income | 2,789,000 | 5,507,000 | 5,635,000 | 8,270,000 |
| Income tax | 728,000 | 1,459,000 | 1,495,000 | 2,252,000 |
| Net income | 2,058,000 | 4,045,000 | 4,146,000 | 6,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,344,000 | 65,348,000 | 65,842,000 | 60,742,000 |
| Total capital | 66,351,000 | 67,853,000 | 68,482,000 | 63,518,000 |
| Risk-weighted assets | 413,408,000 | 409,342,000 | 407,396,000 | 419,331,000 |