Call reports 2010
OOSTBURG STATE BANK — 2010
What OOSTBURG STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 154,593,000 | 161,003,000 | 160,582,000 | 168,078,000 |
| Total loans | 116,280,000 | 118,939,000 | 119,473,000 | 123,408,000 |
| Allowance for loan losses | 1,926,000 | 1,666,000 | 1,777,000 | 1,910,000 |
| Securities available for sale | 7,171,000 | 6,979,000 | 6,816,000 | 6,678,000 |
| Securities held to maturity | 18,683,000 | 19,180,000 | 19,506,000 | 19,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,171,000 | 125,186,000 | 124,163,000 | 132,188,000 |
| Interest-bearing deposits | 100,845,000 | 105,419,000 | 104,653,000 | 111,654,000 |
| Noninterest-bearing deposits | 18,326,000 | 19,767,000 | 19,510,000 | 20,534,000 |
| Equity capital | 19,953,000 | 20,260,000 | 20,751,000 | 20,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,842,000 | 3,732,000 | 5,674,000 | 7,545,000 |
| Interest expense | 519,000 | 1,018,000 | 1,516,000 | 2,000,000 |
| Net interest income | 1,323,000 | 2,714,000 | 4,158,000 | 5,545,000 |
| Noninterest income | 314,000 | 585,000 | 968,000 | 1,388,000 |
| Noninterest expense | 962,000 | 2,062,000 | 3,120,000 | 4,386,000 |
| Provision for loan losses | 200,000 | 380,000 | 560,000 | 980,000 |
| Pretax income | 475,000 | 857,000 | 1,446,000 | 1,567,000 |
| Income tax | 111,000 | 185,000 | 341,000 | 202,000 |
| Net income | 364,000 | 672,000 | 1,105,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,796,000 | 20,103,000 | 20,541,000 | 20,801,000 |
| Total capital | 21,487,000 | 21,769,000 | 22,318,000 | 22,609,000 |
| Risk-weighted assets | 140,338,000 | 144,934,000 | 147,901,000 | 152,378,000 |