Call reports 2015
OOSTBURG STATE BANK — 2015
What OOSTBURG STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 178,941,000 | 182,450,000 | 183,512,000 | 188,675,000 |
| Total loans | 124,092,000 | 127,900,000 | 131,916,000 | 134,826,000 |
| Allowance for loan losses | 2,961,000 | 3,039,000 | 3,003,000 | 3,020,000 |
| Securities available for sale | 4,972,000 | 4,983,000 | 4,745,000 | 4,573,000 |
| Securities held to maturity | 35,523,000 | 35,575,000 | 35,131,000 | 34,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,196,000 | 149,274,000 | 144,834,000 | 153,029,000 |
| Interest-bearing deposits | 115,327,000 | 117,821,000 | 114,329,000 | 118,685,000 |
| Noninterest-bearing deposits | 30,869,000 | 31,453,000 | 30,505,000 | 34,344,000 |
| Equity capital | 25,545,000 | 25,786,000 | 26,141,000 | 25,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,717,000 | 3,457,000 | 5,243,000 | 7,045,000 |
| Interest expense | 166,000 | 318,000 | 470,000 | 628,000 |
| Net interest income | 1,551,000 | 3,139,000 | 4,773,000 | 6,417,000 |
| Noninterest income | 218,000 | 447,000 | 678,000 | 939,000 |
| Noninterest expense | 1,188,000 | 2,636,000 | 4,102,000 | 5,569,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 175,000 |
| Pretax income | 509,000 | 803,000 | 1,202,000 | 1,616,000 |
| Income tax | 106,000 | 121,000 | 178,000 | 241,000 |
| Net income | 403,000 | 682,000 | 1,024,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,425,000 | 25,704,000 | 26,046,000 | 25,722,000 |
| Total capital | 27,225,000 | 27,540,000 | 27,940,000 | 27,607,000 |
| Risk-weighted assets | 142,892,000 | 145,698,000 | 150,481,000 | 149,668,000 |