Call reports 2004
OSB COMMUNITY BANK — 2004
What OSB COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 163,982,000 | 163,820,000 | 165,787,000 | 169,286,000 |
| Total loans | 118,966,000 | 123,047,000 | 124,212,000 | 115,484,000 |
| Allowance for loan losses | 406,000 | 4,332,000 | 4,355,000 | 439,000 |
| Securities available for sale | 24,564,000 | 24,971,000 | 26,149,000 | 30,641,000 |
| Securities held to maturity | 2,221,000 | 2,105,000 | 1,972,000 | 1,817,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,443,000 | 148,984,000 | 150,133,000 | 157,341,000 |
| Interest-bearing deposits | 145,025,000 | 146,451,000 | 148,743,000 | 155,642,000 |
| Noninterest-bearing deposits | 1,418,000 | 2,533,000 | 1,390,000 | 1,699,000 |
| Equity capital | 16,990,000 | 13,231,000 | 15,253,000 | 11,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,184,000 | 4,187,000 | 6,206,000 | 8,337,000 |
| Interest expense | 1,005,000 | 2,002,000 | 3,003,000 | 4,069,000 |
| Net interest income | 1,179,000 | 2,185,000 | 3,203,000 | 4,268,000 |
| Noninterest income | 108,000 | 179,000 | 254,000 | 333,000 |
| Noninterest expense | 664,000 | 1,313,000 | 2,015,000 | 2,894,000 |
| Provision for loan losses | 23,000 | 3,954,000 | 3,977,000 | 7,391,000 |
| Pretax income | 600,000 | -2,901,000 | -2,535,000 | -5,683,000 |
| Income tax | 230,000 | 96,000 | -1,379,000 | -2,186,000 |
| Net income | 370,000 | -2,997,000 | -1,156,000 | -3,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,643,000 | 13,276,000 | 15,117,000 | 9,137,000 |
| Total capital | 17,049,000 | 14,748,000 | 16,489,000 | 9,576,000 |
| Risk-weighted assets | 105,857,000 | 114,925,000 | 106,720,000 | 105,912,000 |