Call reports 2019
OOSTBURG STATE BANK — 2019
What OOSTBURG STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 226,341,000 | 231,114,000 | 239,565,000 | 245,521,000 |
| Total loans | 168,405,000 | 162,269,000 | 169,225,000 | 176,772,000 |
| Allowance for loan losses | 2,376,000 | 2,376,000 | 2,380,000 | 2,420,000 |
| Securities available for sale | 37,561,000 | 38,861,000 | 48,480,000 | 49,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,301,000 | 188,082,000 | 195,983,000 | 203,150,000 |
| Interest-bearing deposits | 138,642,000 | 139,209,000 | 148,678,000 | 151,535,000 |
| Noninterest-bearing deposits | 45,659,000 | 48,873,000 | 47,305,000 | 51,615,000 |
| Equity capital | 31,808,000 | 32,896,000 | 33,695,000 | 32,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,495,000 | 5,024,000 | 7,590,000 | 10,129,000 |
| Interest expense | 419,000 | 846,000 | 1,300,000 | 1,757,000 |
| Net interest income | 2,076,000 | 4,178,000 | 6,290,000 | 8,372,000 |
| Noninterest income | 222,000 | 467,000 | 751,000 | 1,174,000 |
| Noninterest expense | 1,458,000 | 2,946,000 | 4,566,000 | 6,306,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 847,000 | 1,870,000 | 2,727,000 | 3,499,000 |
| Income tax | 162,000 | 364,000 | 516,000 | 640,000 |
| Net income | 685,000 | 1,506,000 | 2,211,000 | 2,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,294,000 | 32,115,000 | 32,821,000 | 31,188,000 |
| Total capital | 33,622,000 | 34,391,000 | 35,190,000 | 33,608,000 |
| Risk-weighted assets | 186,214,000 | 182,035,000 | 189,538,000 | 194,565,000 |