Call reports 2008
OOSTBURG STATE BANK — 2008
What OOSTBURG 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 | 139,649,000 | 140,055,000 | 139,733,000 | 143,297,000 |
| Total loans | 99,968,000 | 99,403,000 | 100,322,000 | 106,569,000 |
| Allowance for loan losses | 1,506,000 | 1,213,000 | 1,299,000 | 1,521,000 |
| Securities available for sale | 10,723,000 | 9,725,000 | 9,519,000 | 9,761,000 |
| Securities held to maturity | 16,117,000 | 17,241,000 | 17,072,000 | 16,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,563,000 | 103,998,000 | 104,795,000 | 108,164,000 |
| Interest-bearing deposits | 90,414,000 | 88,116,000 | 88,118,000 | 86,848,000 |
| Noninterest-bearing deposits | 16,149,000 | 15,882,000 | 16,677,000 | 21,316,000 |
| Equity capital | 18,236,000 | 18,712,000 | 18,517,000 | 18,584,000 |
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 | 2,111,000 | 4,194,000 | 6,252,000 | 8,211,000 |
| Interest expense | 953,000 | 1,762,000 | 2,520,000 | 3,248,000 |
| Net interest income | 1,158,000 | 2,432,000 | 3,732,000 | 4,963,000 |
| Noninterest income | 300,000 | 520,000 | 742,000 | 917,000 |
| Noninterest expense | 797,000 | 1,612,000 | 2,458,000 | 3,556,000 |
| Provision for loan losses | 0 | 150,000 | 250,000 | 500,000 |
| Pretax income | 661,000 | 1,190,000 | 1,766,000 | 1,824,000 |
| Income tax | 170,000 | 293,000 | 430,000 | 275,000 |
| Net income | 491,000 | 897,000 | 1,336,000 | 1,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,108,000 | 18,684,000 | 18,494,000 | 18,269,000 |
| Total capital | 19,585,000 | 19,897,000 | 19,793,000 | 19,758,000 |
| Risk-weighted assets | 122,154,000 | 124,830,000 | 127,657,000 | 124,324,000 |
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