Call reports 2025
OOSTBURG STATE BANK — 2025
What OOSTBURG STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 390,981,000 | 390,445,000 | 412,219,000 | 433,545,000 |
| Total loans | 280,276,000 | 286,098,000 | 291,971,000 | 302,811,000 |
| Allowance for loan losses | 4,143,000 | 4,143,000 | 4,130,000 | 4,130,000 |
| Securities available for sale | 74,134,000 | 77,662,000 | 79,994,000 | 86,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,066,000 | 343,824,000 | 362,145,000 | 383,126,000 |
| Interest-bearing deposits | 266,305,000 | 263,013,000 | 274,343,000 | 291,314,000 |
| Noninterest-bearing deposits | 79,761,000 | 80,811,000 | 87,802,000 | 91,812,000 |
| Equity capital | 40,535,000 | 42,003,000 | 44,605,000 | 44,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,947,000 | 10,033,000 | 15,501,000 | 21,206,000 |
| Interest expense | 1,759,000 | 3,498,000 | 5,267,000 | 7,009,000 |
| Net interest income | 3,188,000 | 6,535,000 | 10,234,000 | 14,197,000 |
| Noninterest income | 338,000 | 732,000 | 1,213,000 | 1,653,000 |
| Noninterest expense | 2,285,000 | 4,811,000 | 7,330,000 | 10,612,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,321,000 | 2,536,000 | 4,197,000 | 5,329,000 |
| Income tax | 211,000 | 384,000 | 647,000 | 799,000 |
| Net income | 1,110,000 | 2,152,000 | 3,550,000 | 4,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,270,000 | 46,312,000 | 47,710,000 | 47,340,000 |
| Total capital | 49,491,000 | 50,552,000 | 52,090,000 | 51,898,000 |
| Risk-weighted assets | 337,143,000 | 338,649,000 | 349,994,000 | 364,434,000 |