Call reports 2022
OOSTBURG STATE BANK — 2022
What OOSTBURG STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 346,991,000 | 340,805,000 | 329,562,000 | 331,547,000 |
| Total loans | 235,893,000 | 238,349,000 | 237,292,000 | 235,225,000 |
| Allowance for loan losses | 3,436,000 | 3,567,000 | 3,867,000 | 4,092,000 |
| Securities available for sale | 76,874,000 | 74,399,000 | 71,734,000 | 74,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,581,000 | 305,727,000 | 295,912,000 | 295,316,000 |
| Interest-bearing deposits | 227,433,000 | 222,058,000 | 216,834,000 | 212,584,000 |
| Noninterest-bearing deposits | 83,148,000 | 83,669,000 | 79,078,000 | 82,732,000 |
| Equity capital | 34,582,000 | 33,179,000 | 31,848,000 | 33,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,894,000 | 5,947,000 | 9,289,000 | 12,830,000 |
| Interest expense | 256,000 | 503,000 | 859,000 | 1,435,000 |
| Net interest income | 2,638,000 | 5,444,000 | 8,430,000 | 11,395,000 |
| Noninterest income | 461,000 | 948,000 | 1,304,000 | 1,672,000 |
| Noninterest expense | 1,800,000 | 3,822,000 | 5,673,000 | 7,811,000 |
| Provision for loan losses | 45,000 | 175,000 | 475,000 | 700,000 |
| Pretax income | 1,254,000 | 2,395,000 | 3,586,000 | 4,583,000 |
| Income tax | 277,000 | 515,000 | 766,000 | 960,000 |
| Net income | 977,000 | 1,880,000 | 2,820,000 | 3,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,345,000 | 38,247,000 | 39,187,000 | 39,190,000 |
| Total capital | 40,692,000 | 41,689,000 | 42,745,000 | 42,661,000 |
| Risk-weighted assets | 267,685,000 | 275,254,000 | 284,345,000 | 277,097,000 |