Call reports 2013
OSB COMMUNITY BANK — 2013
What OSB COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 181,851,000 | 176,711,000 | 171,614,000 | 170,299,000 |
| Total loans | 124,398,000 | 119,819,000 | 116,348,000 | 113,583,000 |
| Allowance for loan losses | 3,597,000 | 3,850,000 | 3,214,000 | 2,910,000 |
| Securities available for sale | 31,793,000 | 35,868,000 | 34,952,000 | 34,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,324,000 | 153,179,000 | 147,937,000 | 146,169,000 |
| Interest-bearing deposits | 152,890,000 | 147,870,000 | 142,644,000 | 140,549,000 |
| Noninterest-bearing deposits | 5,434,000 | 5,309,000 | 5,293,000 | 5,620,000 |
| Equity capital | 20,770,000 | 20,638,000 | 20,774,000 | 21,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,836,000 | 3,619,000 | 5,298,000 | 6,950,000 |
| Interest expense | 430,000 | 822,000 | 1,173,000 | 1,479,000 |
| Net interest income | 1,406,000 | 2,797,000 | 4,125,000 | 5,471,000 |
| Noninterest income | 70,000 | 186,000 | 203,000 | 278,000 |
| Noninterest expense | 843,000 | 1,676,000 | 2,517,000 | 3,369,000 |
| Provision for loan losses | 330,000 | 550,000 | 775,000 | 875,000 |
| Pretax income | 303,000 | 757,000 | 1,036,000 | 1,505,000 |
| Income tax | 31,000 | 266,000 | 367,000 | 540,000 |
| Net income | 272,000 | 491,000 | 669,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,265,000 | 18,270,000 | 18,661,000 | 19,047,000 |
| Total capital | 19,650,000 | 19,607,000 | 19,977,000 | 20,288,000 |
| Risk-weighted assets | 108,576,000 | 104,430,000 | 103,224,000 | 97,583,000 |
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