Call reports 2014
OOSTBURG STATE BANK — 2014
What OOSTBURG STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 177,453,000 | 179,877,000 | 180,890,000 | 180,496,000 |
| Total loans | 122,513,000 | 127,695,000 | 128,213,000 | 125,808,000 |
| Allowance for loan losses | 3,887,000 | 3,959,000 | 4,250,000 | 2,886,000 |
| Securities available for sale | 6,088,000 | 5,961,000 | 5,781,000 | 5,093,000 |
| Securities held to maturity | 33,566,000 | 33,533,000 | 33,865,000 | 35,372,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,899,000 | 146,857,000 | 148,244,000 | 151,293,000 |
| Interest-bearing deposits | 120,680,000 | 119,082,000 | 119,399,000 | 121,356,000 |
| Noninterest-bearing deposits | 26,219,000 | 27,775,000 | 28,845,000 | 29,937,000 |
| Equity capital | 25,548,000 | 25,887,000 | 26,058,000 | 25,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,682,000 | 3,425,000 | 5,199,000 | 6,963,000 |
| Interest expense | 204,000 | 393,000 | 580,000 | 760,000 |
| Net interest income | 1,478,000 | 3,032,000 | 4,619,000 | 6,203,000 |
| Noninterest income | 234,000 | 509,000 | 756,000 | 1,030,000 |
| Noninterest expense | 1,154,000 | 2,529,000 | 3,923,000 | 5,548,000 |
| Provision for loan losses | 75,000 | 150,000 | 450,000 | 1,195,000 |
| Pretax income | 483,000 | 862,000 | 1,002,000 | 531,000 |
| Income tax | 94,000 | 145,000 | 100,000 | -187,000 |
| Net income | 389,000 | 717,000 | 902,000 | 718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,390,000 | 25,719,000 | 25,905,000 | 25,722,000 |
| Total capital | 27,304,000 | 27,557,000 | 27,868,000 | 27,551,000 |
| Risk-weighted assets | 156,432,000 | 157,699,000 | 158,561,000 | 156,253,000 |