Call reports 2008
OSSIAN STATE BANK — 2008
What OSSIAN STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 97,519,000 | 87,047,000 | 84,096,000 | 80,353,000 |
| Total loans | 57,637,000 | 55,498,000 | 54,022,000 | 52,816,000 |
| Allowance for loan losses | 1,266,000 | 1,640,000 | 1,720,000 | 1,063,000 |
| Securities available for sale | 20,450,000 | 15,945,000 | 15,638,000 | 14,496,000 |
| Securities held to maturity | 1,291,000 | 1,291,000 | 2,204,000 | 1,204,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,340,000 | 69,612,000 | 66,957,000 | 64,034,000 |
| Interest-bearing deposits | 66,848,000 | 59,246,000 | 54,993,000 | 52,481,000 |
| Noninterest-bearing deposits | 11,492,000 | 10,366,000 | 11,964,000 | 11,553,000 |
| Equity capital | 8,640,000 | 8,121,000 | 7,812,000 | 7,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,389,000 | 2,558,000 | 3,645,000 | 4,646,000 |
| Interest expense | 653,000 | 1,209,000 | 1,678,000 | 2,125,000 |
| Net interest income | 736,000 | 1,349,000 | 1,967,000 | 2,521,000 |
| Noninterest income | 148,000 | 309,000 | 461,000 | 459,000 |
| Noninterest expense | 739,000 | 1,498,000 | 2,367,000 | 3,245,000 |
| Provision for loan losses | 262,000 | 662,000 | 1,002,000 | 1,150,000 |
| Pretax income | -111,000 | -565,000 | -1,004,000 | -1,478,000 |
| Income tax | -44,000 | -168,000 | -278,000 | -755,000 |
| Net income | -67,000 | -397,000 | -726,000 | -723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,423,000 | 8,092,000 | 7,104,000 | 6,678,000 |
| Total capital | 9,262,000 | 8,880,000 | 7,865,000 | 7,404,000 |
| Risk-weighted assets | 66,709,000 | 62,156,000 | 59,932,000 | 57,738,000 |
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