Call reports 2001
OSB COMMUNITY BANK — 2001
What OSB COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 110,320,000 | 112,801,000 | 117,813,000 | 120,934,000 |
| Total loans | 74,712,000 | 77,838,000 | 83,486,000 | 87,009,000 |
| Allowance for loan losses | 162,000 | 161,000 | 156,000 | 171,000 |
| Securities available for sale | 21,636,000 | 20,329,000 | 20,868,000 | 20,901,000 |
| Securities held to maturity | 6,245,000 | 5,802,000 | 5,349,000 | 4,904,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,771,000 | 99,198,000 | 103,505,000 | 106,612,000 |
| Interest-bearing deposits | 96,175,000 | 98,373,000 | 102,513,000 | 105,394,000 |
| Noninterest-bearing deposits | 596,000 | 825,000 | 992,000 | 1,218,000 |
| Equity capital | 13,201,000 | 13,361,000 | 13,887,000 | 13,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,885,000 | 3,782,000 | 5,764,000 | 7,749,000 |
| Interest expense | 1,256,000 | 2,490,000 | 3,709,000 | 4,923,000 |
| Net interest income | 629,000 | 1,292,000 | 2,055,000 | 2,826,000 |
| Noninterest income | 32,000 | 64,000 | 65,000 | 122,000 |
| Noninterest expense | 443,000 | 868,000 | 1,302,000 | 1,876,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 212,000 | 486,000 | 772,000 | 1,029,000 |
| Income tax | 70,000 | 142,000 | 260,000 | 297,000 |
| Net income | 142,000 | 344,000 | 512,000 | 732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,933,000 | 13,135,000 | 13,303,000 | 13,523,000 |
| Total capital | 13,095,000 | 13,296,000 | 13,459,000 | 13,694,000 |
| Risk-weighted assets | 82,766,000 | 58,494,000 | 93,135,000 | 65,245,000 |