Call reports 2016
OOSTBURG STATE BANK — 2016
What OOSTBURG STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 190,753,000 | 191,845,000 | 195,040,000 | 198,568,000 |
| Total loans | 138,114,000 | 142,363,000 | 142,027,000 | 146,753,000 |
| Allowance for loan losses | 3,066,000 | 3,111,000 | 3,156,000 | 3,190,000 |
| Securities available for sale | 4,461,000 | 4,195,000 | 4,043,000 | 3,900,000 |
| Securities held to maturity | 34,706,000 | 32,381,000 | 33,155,000 | 32,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,837,000 | 152,946,000 | 155,511,000 | 160,078,000 |
| Interest-bearing deposits | 121,644,000 | 119,123,000 | 120,254,000 | 123,810,000 |
| Noninterest-bearing deposits | 32,193,000 | 33,823,000 | 35,257,000 | 36,268,000 |
| Equity capital | 25,979,000 | 26,415,000 | 26,841,000 | 26,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,841,000 | 3,706,000 | 5,650,000 | 7,548,000 |
| Interest expense | 180,000 | 363,000 | 557,000 | 753,000 |
| Net interest income | 1,661,000 | 3,343,000 | 5,093,000 | 6,795,000 |
| Noninterest income | 232,000 | 543,000 | 847,000 | 1,252,000 |
| Noninterest expense | 1,328,000 | 2,716,000 | 4,166,000 | 5,710,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 520,000 | 1,083,000 | 1,642,000 | 2,160,000 |
| Income tax | 104,000 | 231,000 | 358,000 | 466,000 |
| Net income | 416,000 | 852,000 | 1,284,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,892,000 | 26,328,000 | 26,760,000 | 26,820,000 |
| Total capital | 27,859,000 | 28,328,000 | 28,768,000 | 28,852,000 |
| Risk-weighted assets | 156,319,000 | 158,930,000 | 159,494,000 | 161,440,000 |