Call reports 2013
ONEIDA SAVINGS BANK, THE — 2013
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 719,530,000 | 698,251,000 | 713,312,000 | 742,461,000 |
| Total loans | 320,777,000 | 327,714,000 | 337,341,000 | 338,881,000 |
| Allowance for loan losses | 2,861,000 | 2,942,000 | 3,070,000 | 3,110,000 |
| Securities available for sale | 214,714,000 | 227,819,000 | 207,902,000 | 131,068,000 |
| Securities held to maturity | 43,721,000 | 42,129,000 | 43,428,000 | 136,937,000 |
| Trading assets | 3,947,000 | 4,252,000 | 4,379,000 | 5,063,000 |
| Total deposits | 613,564,000 | 597,626,000 | 612,623,000 | 643,048,000 |
| Interest-bearing deposits | 591,280,000 | 573,660,000 | 586,791,000 | 610,896,000 |
| Noninterest-bearing deposits | 22,284,000 | 23,966,000 | 25,832,000 | 32,152,000 |
| Equity capital | 89,408,000 | 87,659,000 | 86,989,000 | 85,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,478,000 | 11,035,000 | 16,635,000 | 22,337,000 |
| Interest expense | 642,000 | 1,300,000 | 1,937,000 | 2,607,000 |
| Net interest income | 4,836,000 | 9,735,000 | 14,698,000 | 19,730,000 |
| Noninterest income | 7,959,000 | 15,426,000 | 22,586,000 | 30,815,000 |
| Noninterest expense | 9,987,000 | 20,311,000 | 30,967,000 | 41,543,000 |
| Provision for loan losses | 100,000 | 200,000 | 380,000 | 500,000 |
| Pretax income | 2,712,000 | 4,917,000 | 6,479,000 | 9,059,000 |
| Income tax | 706,000 | 1,301,000 | 1,735,000 | 2,654,000 |
| Net income | 2,003,000 | 3,613,000 | 4,738,000 | 6,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,050,000 | 65,033,000 | 66,499,000 | 65,159,000 |
| Total capital | 65,911,000 | 67,975,000 | 69,569,000 | 68,269,000 |
| Risk-weighted assets | 426,787,000 | 429,276,000 | 426,788,000 | 427,357,000 |