Call reports 2007
OOSTBURG STATE BANK — 2007
What OOSTBURG STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 133,278,000 | 132,709,000 | 133,397,000 | 142,531,000 |
| Total loans | 95,684,000 | 94,113,000 | 95,687,000 | 100,860,000 |
| Allowance for loan losses | 1,364,000 | 1,325,000 | 1,426,000 | 1,494,000 |
| Securities available for sale | 9,027,000 | 10,279,000 | 9,721,000 | 11,589,000 |
| Securities held to maturity | 17,175,000 | 16,517,000 | 16,374,000 | 16,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,731,000 | 99,643,000 | 100,834,000 | 109,442,000 |
| Interest-bearing deposits | 86,295,000 | 84,212,000 | 83,491,000 | 91,725,000 |
| Noninterest-bearing deposits | 14,436,000 | 15,431,000 | 17,343,000 | 17,717,000 |
| Equity capital | 17,385,000 | 17,775,000 | 17,744,000 | 18,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,118,000 | 4,217,000 | 6,303,000 | 8,500,000 |
| Interest expense | 976,000 | 1,942,000 | 2,917,000 | 3,919,000 |
| Net interest income | 1,142,000 | 2,275,000 | 3,386,000 | 4,581,000 |
| Noninterest income | 128,000 | 326,000 | 492,000 | 654,000 |
| Noninterest expense | 707,000 | 1,474,000 | 2,262,000 | 3,135,000 |
| Provision for loan losses | 25,000 | 25,000 | 125,000 | 225,000 |
| Pretax income | 538,000 | 1,102,000 | 1,491,000 | 1,875,000 |
| Income tax | 136,000 | 278,000 | 352,000 | 437,000 |
| Net income | 402,000 | 824,000 | 1,139,000 | 1,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,453,000 | 17,872,000 | 17,756,000 | 18,054,000 |
| Total capital | 18,817,000 | 19,197,000 | 19,182,000 | 19,515,000 |
| Risk-weighted assets | 113,541,000 | 116,143,000 | 117,172,000 | 119,731,000 |
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