Call reports 2002
OSB COMMUNITY BANK — 2002
What OSB COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 127,343,000 | 131,618,000 | 133,350,000 | 137,371,000 |
| Total loans | 91,561,000 | 97,021,000 | 99,332,000 | 100,163,000 |
| Allowance for loan losses | 182,000 | 229,000 | 239,000 | 248,000 |
| Securities available for sale | 20,043,000 | 19,856,000 | 18,425,000 | 16,479,000 |
| Securities held to maturity | 4,459,000 | 4,110,000 | 3,844,000 | 3,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,906,000 | 116,583,000 | 117,845,000 | 121,428,000 |
| Interest-bearing deposits | 111,833,000 | 115,562,000 | 116,646,000 | 120,282,000 |
| Noninterest-bearing deposits | 1,073,000 | 1,021,000 | 1,199,000 | 1,146,000 |
| Equity capital | 14,021,000 | 14,503,000 | 14,850,000 | 15,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,013,000 | 4,074,000 | 6,116,000 | 8,226,000 |
| Interest expense | 1,158,000 | 2,367,000 | 3,512,000 | 4,557,000 |
| Net interest income | 855,000 | 1,707,000 | 2,604,000 | 3,669,000 |
| Noninterest income | 30,000 | 61,000 | 88,000 | 135,000 |
| Noninterest expense | 496,000 | 979,000 | 1,469,000 | 2,160,000 |
| Provision for loan losses | 12,000 | 59,000 | 76,000 | 100,000 |
| Pretax income | 377,000 | 730,000 | 1,168,000 | 1,565,000 |
| Income tax | 151,000 | 288,000 | 449,000 | 463,000 |
| Net income | 226,000 | 442,000 | 719,000 | 1,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,749,000 | 13,965,000 | 14,242,000 | 14,723,000 |
| Total capital | 13,931,000 | 14,194,000 | 14,481,000 | 14,971,000 |
| Risk-weighted assets | 69,359,000 | 74,060,000 | 77,297,000 | 80,269,000 |