Call reports 2014
ONEIDA SAVINGS BANK, THE — 2014
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 785,214,000 | 778,044,000 | 786,652,000 | 797,868,000 |
| Total loans | 342,322,000 | 347,427,000 | 359,262,000 | 371,413,000 |
| Allowance for loan losses | 3,191,000 | 3,273,000 | 3,491,000 | 3,502,000 |
| Securities available for sale | 154,879,000 | 167,459,000 | 163,583,000 | 176,314,000 |
| Securities held to maturity | 135,483,000 | 132,107,000 | 131,001,000 | 129,414,000 |
| Trading assets | 5,873,000 | 5,886,000 | 4,379,000 | 3,900,000 |
| Total deposits | 684,802,000 | 676,345,000 | 682,231,000 | 691,504,000 |
| Interest-bearing deposits | 658,391,000 | 648,170,000 | 655,348,000 | 664,050,000 |
| Noninterest-bearing deposits | 26,411,000 | 28,175,000 | 26,883,000 | 27,454,000 |
| Equity capital | 89,006,000 | 91,541,000 | 92,630,000 | 94,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,439,000 | 11,148,000 | 16,831,000 | 22,561,000 |
| Interest expense | 653,000 | 1,340,000 | 1,996,000 | 2,636,000 |
| Net interest income | 4,786,000 | 9,808,000 | 14,835,000 | 19,925,000 |
| Noninterest income | 8,793,000 | 17,005,000 | 22,980,000 | 30,588,000 |
| Noninterest expense | 10,750,000 | 21,848,000 | 32,635,000 | 45,410,000 |
| Provision for loan losses | 100,000 | 200,000 | 470,000 | 500,000 |
| Pretax income | 2,775,000 | 4,838,000 | 6,826,000 | 7,055,000 |
| Income tax | 762,000 | 1,319,000 | 1,745,000 | 1,638,000 |
| Net income | 2,010,000 | 3,516,000 | 5,075,000 | 5,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,608,000 | 69,421,000 | 71,331,000 | 71,862,000 |
| Total capital | 70,799,000 | 72,694,000 | 74,822,000 | 75,364,000 |
| Risk-weighted assets | 438,009,000 | 432,297,000 | 442,808,000 | 455,697,000 |