Call reports 2020
OOSTBURG STATE BANK — 2020
What OOSTBURG STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 248,585,000 | 278,325,000 | 292,363,000 | 303,261,000 |
| Total loans | 167,537,000 | 184,955,000 | 193,336,000 | 195,785,000 |
| Allowance for loan losses | 2,440,000 | 2,481,000 | 2,512,000 | 2,892,000 |
| Securities available for sale | 54,571,000 | 55,563,000 | 60,318,000 | 61,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,784,000 | 230,959,000 | 244,285,000 | 259,298,000 |
| Interest-bearing deposits | 157,378,000 | 168,555,000 | 177,445,000 | 189,327,000 |
| Noninterest-bearing deposits | 49,406,000 | 62,404,000 | 66,840,000 | 69,971,000 |
| Equity capital | 33,088,000 | 34,874,000 | 35,935,000 | 35,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,509,000 | 5,591,000 | 8,096,000 | 10,599,000 |
| Interest expense | 453,000 | 848,000 | 1,227,000 | 1,569,000 |
| Net interest income | 2,056,000 | 4,743,000 | 6,869,000 | 9,030,000 |
| Noninterest income | 337,000 | 897,000 | 1,589,000 | 2,470,000 |
| Noninterest expense | 1,555,000 | 3,302,000 | 4,957,000 | 7,077,000 |
| Provision for loan losses | 20,000 | 60,000 | 90,000 | 470,000 |
| Pretax income | 818,000 | 2,278,000 | 3,411,000 | 3,968,000 |
| Income tax | 141,000 | 462,000 | 696,000 | 772,000 |
| Net income | 677,000 | 1,816,000 | 2,715,000 | 3,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,865,000 | 33,004,000 | 33,903,000 | 33,383,000 |
| Total capital | 34,302,000 | 35,485,000 | 36,415,000 | 36,275,000 |
| Risk-weighted assets | 195,009,000 | 216,614,000 | 239,253,000 | 237,437,000 |