Call reports 2003
OSB COMMUNITY BANK — 2003
What OSB COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 141,017,000 | 144,765,000 | 148,670,000 | 158,352,000 |
| Total loans | 102,445,000 | 104,504,000 | 107,134,000 | 112,227,000 |
| Allowance for loan losses | 280,000 | 326,000 | 353,000 | 383,000 |
| Securities available for sale | 17,266,000 | 18,309,000 | 21,018,000 | 26,796,000 |
| Securities held to maturity | 3,166,000 | 2,861,000 | 2,618,000 | 2,370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,784,000 | 128,369,000 | 132,028,000 | 141,296,000 |
| Interest-bearing deposits | 123,488,000 | 126,848,000 | 130,557,000 | 139,959,000 |
| Noninterest-bearing deposits | 1,296,000 | 1,521,000 | 1,471,000 | 1,337,000 |
| Equity capital | 15,694,000 | 15,997,000 | 16,346,000 | 16,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,112,000 | 4,091,000 | 6,138,000 | 8,225,000 |
| Interest expense | 958,000 | 1,897,000 | 2,839,000 | 3,837,000 |
| Net interest income | 1,154,000 | 2,194,000 | 3,299,000 | 4,388,000 |
| Noninterest income | 48,000 | 174,000 | 331,000 | 460,000 |
| Noninterest expense | 568,000 | 1,089,000 | 1,695,000 | 2,504,000 |
| Provision for loan losses | 20,000 | 66,000 | 96,000 | 131,000 |
| Pretax income | 614,000 | 1,213,000 | 1,839,000 | 2,212,000 |
| Income tax | 167,000 | 399,000 | 587,000 | 654,000 |
| Net income | 447,000 | 814,000 | 1,252,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,170,000 | 15,537,000 | 15,975,000 | 16,273,000 |
| Total capital | 15,450,000 | 15,863,000 | 16,328,000 | 16,656,000 |
| Risk-weighted assets | 85,143,000 | 87,626,000 | 92,854,000 | 99,155,000 |