Call reports 2005
OHIO STATE BANK, THE — 2005
What OHIO STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 145,154,000 | 141,610,000 | 145,611,000 | 143,261,000 |
| Total loans | 97,852,000 | 97,877,000 | 97,162,000 | 95,778,000 |
| Allowance for loan losses | 968,000 | 968,000 | 987,000 | 986,000 |
| Securities available for sale | 33,707,000 | 33,906,000 | 33,897,000 | 34,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,873,000 | 113,523,000 | 115,499,000 | 115,368,000 |
| Interest-bearing deposits | 103,898,000 | 102,417,000 | 101,822,000 | 99,584,000 |
| Noninterest-bearing deposits | 12,975,000 | 11,106,000 | 13,677,000 | 15,784,000 |
| Equity capital | 11,805,000 | 12,318,000 | 12,331,000 | 12,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,917,000 | 3,923,000 | 5,959,000 | 8,011,000 |
| Interest expense | 658,000 | 1,390,000 | 2,191,000 | 3,020,000 |
| Net interest income | 1,259,000 | 2,533,000 | 3,768,000 | 4,991,000 |
| Noninterest income | 191,000 | 426,000 | 666,000 | 935,000 |
| Noninterest expense | 1,177,000 | 2,255,000 | 3,426,000 | 4,522,000 |
| Provision for loan losses | 64,000 | 168,000 | 295,000 | 386,000 |
| Pretax income | 209,000 | 537,000 | 714,000 | 1,019,000 |
| Income tax | 50,000 | 126,000 | 168,000 | 237,000 |
| Net income | 159,000 | 411,000 | 546,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,221,000 | 11,494,000 | 11,649,000 | 11,905,000 |
| Total capital | 12,189,000 | 12,462,000 | 12,636,000 | 12,891,000 |
| Risk-weighted assets | 98,740,000 | 99,428,000 | 100,224,000 | 98,358,000 |
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