Call reports 2012
OOSTBURG STATE BANK — 2012
What OOSTBURG STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 173,960,000 | 178,057,000 | 180,468,000 | 187,153,000 |
| Total loans | 131,606,000 | 135,953,000 | 138,592,000 | 136,945,000 |
| Allowance for loan losses | 2,781,000 | 2,887,000 | 2,978,000 | 3,476,000 |
| Securities available for sale | 5,916,000 | 5,571,000 | 5,262,000 | 5,079,000 |
| Securities held to maturity | 23,863,000 | 24,660,000 | 25,026,000 | 25,343,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,989,000 | 142,984,000 | 142,619,000 | 152,043,000 |
| Interest-bearing deposits | 117,560,000 | 118,260,000 | 119,187,000 | 124,691,000 |
| Noninterest-bearing deposits | 21,429,000 | 24,724,000 | 23,432,000 | 27,352,000 |
| Equity capital | 22,657,000 | 23,191,000 | 23,819,000 | 24,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,848,000 | 3,844,000 | 5,800,000 | 7,751,000 |
| Interest expense | 373,000 | 713,000 | 1,037,000 | 1,351,000 |
| Net interest income | 1,475,000 | 3,131,000 | 4,763,000 | 6,400,000 |
| Noninterest income | 363,000 | 745,000 | 1,297,000 | 1,823,000 |
| Noninterest expense | 1,195,000 | 2,401,000 | 3,578,000 | 4,947,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 820,000 |
| Pretax income | 538,000 | 1,265,000 | 2,167,000 | 2,456,000 |
| Income tax | 129,000 | 333,000 | 604,000 | 634,000 |
| Net income | 409,000 | 932,000 | 1,563,000 | 1,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,435,000 | 22,956,000 | 23,584,000 | 23,842,000 |
| Total capital | 24,304,000 | 24,853,000 | 25,516,000 | 25,771,000 |
| Risk-weighted assets | 156,110,000 | 166,552,000 | 168,204,000 | 172,659,000 |