Call reports 2015
ONEIDA SAVINGS BANK, THE — 2015
What ONEIDA SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 881,385,000 | 849,365,000 | 815,555,000 |
| Total loans | 383,481,000 | 394,630,000 | 400,599,000 |
| Allowance for loan losses | 3,497,000 | 3,459,000 | 3,442,000 |
| Securities available for sale | 177,221,000 | 155,539,000 | 134,207,000 |
| Securities held to maturity | 127,037,000 | 122,384,000 | 120,014,000 |
| Trading assets | 4,142,000 | 3,922,000 | 2,566,000 |
| Total deposits | 772,878,000 | 744,454,000 | 709,335,000 |
| Interest-bearing deposits | 745,552,000 | 716,778,000 | 680,937,000 |
| Noninterest-bearing deposits | 27,326,000 | 27,676,000 | 28,398,000 |
| Equity capital | 97,137,000 | 94,698,000 | 96,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 5,772,000 | 11,415,000 | 17,042,000 |
| Interest expense | 599,000 | 1,194,000 | 1,733,000 |
| Net interest income | 5,173,000 | 10,221,000 | 15,309,000 |
| Noninterest income | 8,661,000 | 16,568,000 | 24,320,000 |
| Noninterest expense | 11,216,000 | 23,359,000 | 34,724,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 2,764,000 | 3,652,000 | 5,043,000 |
| Income tax | 712,000 | 1,056,000 | 1,535,000 |
| Net income | 2,046,000 | 2,594,000 | 3,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 74,445,000 | 73,123,000 | 74,725,000 |
| Total capital | 77,942,000 | 76,582,000 | 78,167,000 |
| Risk-weighted assets | 489,732,000 | 482,581,000 | 460,960,000 |