Call reports 2012
OSB COMMUNITY BANK — 2012
What OSB COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 186,020,000 | 185,405,000 | 182,024,000 | 178,750,000 |
| Total loans | 131,229,000 | 129,885,000 | 130,869,000 | 125,547,000 |
| Allowance for loan losses | 4,868,000 | 4,284,000 | 3,659,000 | 3,381,000 |
| Securities available for sale | 34,933,000 | 33,678,000 | 30,623,000 | 28,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,361,000 | 162,526,000 | 158,790,000 | 155,470,000 |
| Interest-bearing deposits | 158,691,000 | 157,679,000 | 153,838,000 | 150,761,000 |
| Noninterest-bearing deposits | 4,670,000 | 4,847,000 | 4,952,000 | 4,709,000 |
| Equity capital | 19,997,000 | 20,205,000 | 20,532,000 | 20,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,026,000 | 4,065,000 | 5,984,000 | 7,917,000 |
| Interest expense | 594,000 | 1,155,000 | 1,692,000 | 2,199,000 |
| Net interest income | 1,432,000 | 2,910,000 | 4,292,000 | 5,718,000 |
| Noninterest income | 157,000 | 237,000 | 310,000 | 422,000 |
| Noninterest expense | 810,000 | 1,587,000 | 2,414,000 | 3,257,000 |
| Provision for loan losses | 439,000 | 1,002,000 | 1,332,000 | 1,912,000 |
| Pretax income | 354,000 | 572,000 | 870,000 | 985,000 |
| Income tax | 110,000 | 144,000 | 259,000 | 284,000 |
| Net income | 244,000 | 428,000 | 611,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,042,000 | 17,461,000 | 17,820,000 | 17,999,000 |
| Total capital | 18,472,000 | 18,911,000 | 19,259,000 | 19,366,000 |
| Risk-weighted assets | 110,937,000 | 113,135,000 | 112,870,000 | 107,387,000 |