Call reports 2015
OSSIAN STATE BANK — 2015
What OSSIAN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 96,594,000 | 97,588,000 | 96,225,000 | 95,505,000 |
| Total loans | 58,199,000 | 56,670,000 | 56,181,000 | 54,629,000 |
| Allowance for loan losses | 868,000 | 868,000 | 868,000 | 869,000 |
| Securities available for sale | 22,089,000 | 19,566,000 | 17,799,000 | 16,691,000 |
| Securities held to maturity | 1,504,000 | 2,838,000 | 4,272,000 | 4,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,137,000 | 86,958,000 | 85,308,000 | 85,943,000 |
| Interest-bearing deposits | 67,656,000 | 69,628,000 | 67,577,000 | 66,654,000 |
| Noninterest-bearing deposits | 18,480,000 | 17,330,000 | 17,731,000 | 19,289,000 |
| Equity capital | 8,698,000 | 8,858,000 | 9,096,000 | 8,796,000 |
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 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,516,000 | 2,271,000 | 3,021,000 |
| Interest expense | 76,000 | 153,000 | 228,000 | 292,000 |
| Net interest income | 667,000 | 1,363,000 | 2,043,000 | 2,729,000 |
| Noninterest income | 96,000 | 189,000 | 302,000 | 395,000 |
| Noninterest expense | 600,000 | 1,175,000 | 1,770,000 | 2,389,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 163,000 | 377,000 | 584,000 | 744,000 |
| Income tax | -30,000 | -30,000 | -30,000 | -30,000 |
| Net income | 193,000 | 407,000 | 614,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,663,000 | 8,876,000 | 9,083,000 | 8,836,000 |
| Total capital | 9,447,000 | 9,639,000 | 9,838,000 | 9,563,000 |
| Risk-weighted assets | 62,640,000 | 60,922,000 | 60,265,000 | 58,009,000 |
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