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Profile - Oswego County Bancorp (OTC BB:OCSB.OB)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Insider
Recent Events
Aug 31Price hit new 52-week high ($18.25)
Aug 13Dividend payment of $0.08
Location
44 East Bridge Street
Oswego, NY 13126
Phone: (315) 343-4100
Fax: (315) 343-2481
Employees (last reported count): 378
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 65%
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Oswego County Bancorp, Inc. provides traditional community banking services for individuals and small to medium-sized businesses through its wholly owned subsidiary, Oswego County Savings Bank (the Bank). The Bank has five branches in Oswego and Onondaga counties of New York State. The majority of loans and deposits held by the Bank are generated within Oswego and northern Onondaga counties. At December 31, 2000, the Company's total loans amounted to $87.1 million. At the same date, net of the $1.1 million allowance for loan losses, loans were $86.0 million, representing 63.0% of total assets. The Company offers several types of loans: single-family residential, home equity, commercial real estate, commercial business and consumer. Commercial loans totaled $7.7 million and consumer loans totaled $4.7 million.
More from Market Guide: Expanded Business Description

Financial Summary
Oswego County Bancorp is a bank holding company for Oswego County Savings, a New York chartered mutual savings bank. For the six months ended 6/30/01, interest income rose 13% to $4.9 million. Net interest income after loan loss prov. rose 1% to $2.5 million. Net income totalled $514 thousand, up from $226 thousand. Net interest income reflects higher average earning assets, partially offset by higher interest on deposits. Earnings reflect increased service charges earned.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Paul Schneible, 52
Chairman
--  
Gregory Kreis, 54
Pres, CEO
$224K
Eugene Sundershaft
Sr. VP, Treasurer
--  
Gregory May
Sr. VP, Retail Sales
--  
Judith Percy
Sr. VP - Operations
--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:OCSB.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 21-Sep-2000
$10.00 
Recent Price$18.25 
52-Week High
on 31-Aug-2001
$18.25 
Beta-0.88 
Daily Volume (3-month avg)91 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+73.8%
52-Week Change
relative to S&P500
+133.2%
Share-Related Items
Market Capitalization$15.5M
Shares Outstanding852.0K
Float300.0K
Dividends & Splits
Annual Dividend (indicated)$0.32 
Dividend Yield1.75%
Last Splitnone 
Per-Share Data
Book Value (mrq)$18.05 
Earnings (ttm)$1.08 
Earnings (mrq)$0.32 
Sales (ttm)$11.60 
Cash (mrq)$6.82 
Valuation Ratios
Price/Book (mrq)1.01 
Price/Earnings (ttm)16.91 
Price/Sales (ttm)1.57 
Income Statements
Sales (ttm)$9.73M
EBITDAN/A 
Income available to common (ttm)$903.0K
Profitability
Profit Margin (ttm)9.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.65%
Return on Equity (ttm)6.10%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0.71 
Total Cash (mrq)$5.81M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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