Call reports 2005
OSB COMMUNITY BANK — 2005
What OSB COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 173,265,000 | 183,161,000 |
| Total loans | 111,767,000 | 117,558,000 |
| Allowance for loan losses | 451,000 | 429,000 |
| Securities available for sale | 39,236,000 | 37,710,000 |
| Securities held to maturity | 1,718,000 | 1,634,000 |
| Trading assets | 0 | 0 |
| Total deposits | 161,534,000 | 170,781,000 |
| Interest-bearing deposits | 159,020,000 | 161,629,000 |
| Noninterest-bearing deposits | 2,514,000 | 9,152,000 |
| Equity capital | 10,848,000 | 11,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Interest income | 2,176,000 | 4,445,000 |
| Interest expense | 1,079,000 | 2,222,000 |
| Net interest income | 1,097,000 | 2,223,000 |
| Noninterest income | 69,000 | 222,000 |
| Noninterest expense | 855,000 | 1,653,000 |
| Provision for loan losses | 22,000 | 0 |
| Pretax income | 289,000 | 792,000 |
| Income tax | 111,000 | 288,000 |
| Net income | 178,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 9,411,000 | 9,816,000 |
| Total capital | 9,862,000 | 10,245,000 |
| Risk-weighted assets | 103,792,000 | 102,156,000 |