Call reports 2011
OOSTBURG STATE BANK — 2011
What OOSTBURG STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 169,148,000 | 169,912,000 | 171,760,000 | 174,586,000 |
| Total loans | 129,185,000 | 129,972,000 | 132,359,000 | 126,321,000 |
| Allowance for loan losses | 2,080,000 | 2,286,000 | 2,426,000 | 2,706,000 |
| Securities available for sale | 6,942,000 | 7,014,000 | 6,867,000 | 6,152,000 |
| Securities held to maturity | 19,685,000 | 19,491,000 | 19,753,000 | 23,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,719,000 | 132,865,000 | 134,147,000 | 138,101,000 |
| Interest-bearing deposits | 111,573,000 | 110,362,000 | 112,873,000 | 115,010,000 |
| Noninterest-bearing deposits | 22,146,000 | 22,503,000 | 21,274,000 | 23,091,000 |
| Equity capital | 21,425,000 | 21,822,000 | 22,104,000 | 22,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,914,000 | 3,882,000 | 5,832,000 | 7,773,000 |
| Interest expense | 461,000 | 903,000 | 1,332,000 | 1,727,000 |
| Net interest income | 1,453,000 | 2,979,000 | 4,500,000 | 6,046,000 |
| Noninterest income | 405,000 | 676,000 | 934,000 | 1,094,000 |
| Noninterest expense | 997,000 | 2,151,000 | 3,476,000 | 4,779,000 |
| Provision for loan losses | 210,000 | 420,000 | 560,000 | 840,000 |
| Pretax income | 651,000 | 1,084,000 | 1,398,000 | 1,521,000 |
| Income tax | 182,000 | 275,000 | 327,000 | 295,000 |
| Net income | 469,000 | 809,000 | 1,071,000 | 1,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,251,000 | 21,590,000 | 21,855,000 | 22,029,000 |
| Total capital | 23,116,000 | 23,415,000 | 23,714,000 | 23,842,000 |
| Risk-weighted assets | 156,648,000 | 153,214,000 | 155,839,000 | 151,658,000 |