Call reports 2023
OOSTBURG STATE BANK — 2023
What OOSTBURG STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 333,251,000 | 335,361,000 | 342,320,000 | 354,545,000 |
| Total loans | 241,426,000 | 245,819,000 | 252,320,000 | 253,309,000 |
| Allowance for loan losses | 4,167,000 | 4,167,000 | 4,167,000 | 4,167,000 |
| Securities available for sale | 74,212,000 | 71,345,000 | 67,524,000 | 70,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,216,000 | 295,195,000 | 303,222,000 | 311,980,000 |
| Interest-bearing deposits | 220,792,000 | 217,781,000 | 221,065,000 | 227,885,000 |
| Noninterest-bearing deposits | 75,424,000 | 77,414,000 | 82,157,000 | 84,095,000 |
| Equity capital | 34,727,000 | 35,087,000 | 33,551,000 | 37,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,602,000 | 7,445,000 | 11,419,000 | 15,596,000 |
| Interest expense | 802,000 | 1,838,000 | 3,129,000 | 4,600,000 |
| Net interest income | 2,800,000 | 5,607,000 | 8,290,000 | 10,996,000 |
| Noninterest income | 333,000 | 688,000 | 1,038,000 | 2,453,000 |
| Noninterest expense | 1,881,000 | 3,961,000 | 5,939,000 | 8,207,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 1,177,000 | 2,264,000 | 3,224,000 | 4,766,000 |
| Income tax | 249,000 | 471,000 | 661,000 | 844,000 |
| Net income | 928,000 | 1,793,000 | 2,563,000 | 3,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,538,000 | 40,403,000 | 41,173,000 | 41,632,000 |
| Total capital | 43,071,000 | 44,059,000 | 44,924,000 | 45,382,000 |
| Risk-weighted assets | 281,454,000 | 291,452,000 | 299,042,000 | 298,958,000 |