Call reports 2013
OOSTBURG STATE BANK — 2013
What OOSTBURG STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 183,573,000 | 182,636,000 | 179,972,000 | 189,357,000 |
| Total loans | 133,643,000 | 132,670,000 | 131,255,000 | 122,295,000 |
| Allowance for loan losses | 3,551,000 | 3,950,000 | 3,985,000 | 3,816,000 |
| Securities available for sale | 4,278,000 | 4,161,000 | 4,002,000 | 6,187,000 |
| Securities held to maturity | 26,241,000 | 27,322,000 | 27,511,000 | 32,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,089,000 | 149,205,000 | 146,855,000 | 156,776,000 |
| Interest-bearing deposits | 123,506,000 | 117,644,000 | 119,315,000 | 128,679,000 |
| Noninterest-bearing deposits | 25,583,000 | 31,561,000 | 27,540,000 | 28,097,000 |
| Equity capital | 24,500,000 | 24,623,000 | 25,055,000 | 25,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,837,000 | 3,498,000 | 5,261,000 | 6,991,000 |
| Interest expense | 298,000 | 571,000 | 814,000 | 1,039,000 |
| Net interest income | 1,539,000 | 2,927,000 | 4,447,000 | 5,952,000 |
| Noninterest income | 510,000 | 895,000 | 1,229,000 | 1,478,000 |
| Noninterest expense | 1,080,000 | 2,337,000 | 3,494,000 | 4,814,000 |
| Provision for loan losses | 75,000 | 475,000 | 550,000 | 625,000 |
| Pretax income | 894,000 | 1,010,000 | 1,632,000 | 1,991,000 |
| Income tax | 266,000 | 228,000 | 393,000 | 444,000 |
| Net income | 628,000 | 782,000 | 1,239,000 | 1,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,286,000 | 24,439,000 | 24,891,000 | 25,200,000 |
| Total capital | 26,293,000 | 26,437,000 | 26,877,000 | 27,150,000 |
| Risk-weighted assets | 164,312,000 | 163,178,000 | 162,177,000 | 159,379,000 |