Call reports 2014
OSB COMMUNITY BANK — 2014
What OSB COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 167,925,000 | 165,605,000 | 160,490,000 | 221,725,000 |
| Total loans | 112,951,000 | 113,048,000 | 115,395,000 | 144,816,000 |
| Allowance for loan losses | 2,976,000 | 2,971,000 | 3,015,000 | 2,315,000 |
| Securities available for sale | 36,715,000 | 35,297,000 | 30,102,000 | 52,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,538,000 | 140,723,000 | 135,363,000 | 183,124,000 |
| Interest-bearing deposits | 138,004,000 | 135,300,000 | 130,588,000 | 173,852,000 |
| Noninterest-bearing deposits | 5,534,000 | 5,423,000 | 4,775,000 | 9,272,000 |
| Equity capital | 21,450,000 | 21,884,000 | 22,123,000 | 29,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,274,000 | 4,904,000 | 6,501,000 |
| Interest expense | 268,000 | 518,000 | 759,000 | 976,000 |
| Net interest income | 1,345,000 | 2,756,000 | 4,145,000 | 5,525,000 |
| Noninterest income | 84,000 | 180,000 | 402,000 | 560,000 |
| Noninterest expense | 853,000 | 1,829,000 | 2,896,000 | 4,016,000 |
| Provision for loan losses | 225,000 | 470,000 | 695,000 | 901,000 |
| Pretax income | 351,000 | 637,000 | 981,000 | 1,193,000 |
| Income tax | 110,000 | 197,000 | 298,000 | 351,000 |
| Net income | 241,000 | 440,000 | 683,000 | 842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,602,000 | 19,923,000 | 20,138,000 | 25,247,000 |
| Total capital | 20,888,000 | 21,207,000 | 21,442,000 | 26,914,000 |
| Risk-weighted assets | 101,196,000 | 101,037,000 | 102,592,000 | 132,690,000 |