Call reports 2005
OOSTBURG STATE BANK — 2005
What OOSTBURG STATE BANK 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 | 116,058,000 | 116,894,000 | 117,174,000 | 123,566,000 |
| Total loans | 76,118,000 | 77,957,000 | 78,637,000 | 84,193,000 |
| Allowance for loan losses | 1,127,000 | 1,128,000 | 1,172,000 | 1,196,000 |
| Securities available for sale | 11,675,000 | 10,850,000 | 10,862,000 | 10,569,000 |
| Securities held to maturity | 19,396,000 | 18,790,000 | 18,665,000 | 18,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,481,000 | 89,872,000 | 89,399,000 | 93,840,000 |
| Interest-bearing deposits | 69,431,000 | 76,158,000 | 75,581,000 | 78,950,000 |
| Noninterest-bearing deposits | 14,050,000 | 13,714,000 | 13,818,000 | 14,890,000 |
| Equity capital | 17,266,000 | 17,740,000 | 18,083,000 | 17,980,000 |
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 | 1,474,000 | 3,033,000 | 4,648,000 | 6,346,000 |
| Interest expense | 407,000 | 918,000 | 1,446,000 | 1,988,000 |
| Net interest income | 1,067,000 | 2,115,000 | 3,202,000 | 4,358,000 |
| Noninterest income | 338,000 | 528,000 | 742,000 | 926,000 |
| Noninterest expense | 615,000 | 1,339,000 | 2,100,000 | 2,886,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 790,000 | 1,304,000 | 1,794,000 | 2,298,000 |
| Income tax | 228,000 | 352,000 | 469,000 | 600,000 |
| Net income | 562,000 | 952,000 | 1,325,000 | 1,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,470,000 | 17,860,000 | 18,233,000 | 18,223,000 |
| Total capital | 18,556,000 | 18,970,000 | 19,347,000 | 19,404,000 |
| Risk-weighted assets | 86,815,000 | 88,744,000 | 89,098,000 | 94,453,000 |
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