Call reports 2021
OOSTBURG STATE BANK — 2021
What OOSTBURG STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 309,888,000 | 326,011,000 | 342,305,000 | 347,025,000 |
| Total loans | 209,282,000 | 214,869,000 | 225,644,000 | 231,601,000 |
| Allowance for loan losses | 2,922,000 | 2,952,000 | 3,019,000 | 3,390,000 |
| Securities available for sale | 75,095,000 | 76,189,000 | 76,123,000 | 76,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,937,000 | 283,796,000 | 299,961,000 | 304,270,000 |
| Interest-bearing deposits | 195,884,000 | 199,497,000 | 212,691,000 | 221,456,000 |
| Noninterest-bearing deposits | 73,053,000 | 84,299,000 | 87,270,000 | 82,814,000 |
| Equity capital | 35,876,000 | 37,316,000 | 37,830,000 | 37,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,817,000 | 5,733,000 | 8,530,000 | 11,404,000 |
| Interest expense | 307,000 | 575,000 | 841,000 | 1,111,000 |
| Net interest income | 2,510,000 | 5,158,000 | 7,689,000 | 10,293,000 |
| Noninterest income | 943,000 | 1,541,000 | 1,964,000 | 2,510,000 |
| Noninterest expense | 1,625,000 | 3,477,000 | 5,329,000 | 7,510,000 |
| Provision for loan losses | 30,000 | 60,000 | 130,000 | 500,000 |
| Pretax income | 1,801,000 | 3,165,000 | 4,197,000 | 4,835,000 |
| Income tax | 421,000 | 722,000 | 937,000 | 1,051,000 |
| Net income | 1,380,000 | 2,443,000 | 3,260,000 | 3,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,764,000 | 35,826,000 | 36,643,000 | 36,367,000 |
| Total capital | 37,686,000 | 38,778,000 | 39,662,000 | 39,670,000 |
| Risk-weighted assets | 235,334,000 | 243,671,000 | 256,240,000 | 264,217,000 |