Call reports 2015
OSB COMMUNITY BANK — 2015
What OSB COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 220,572,000 | 216,716,000 | 218,286,000 | 213,563,000 |
| Total loans | 145,137,000 | 140,302,000 | 141,683,000 | 142,334,000 |
| Allowance for loan losses | 2,487,000 | 2,528,000 | 2,324,000 | 2,224,000 |
| Securities available for sale | 48,976,000 | 50,477,000 | 50,641,000 | 46,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,425,000 | 181,366,000 | 182,364,000 | 177,641,000 |
| Interest-bearing deposits | 174,126,000 | 171,216,000 | 171,847,000 | 166,409,000 |
| Noninterest-bearing deposits | 10,299,000 | 10,150,000 | 10,517,000 | 11,232,000 |
| Equity capital | 29,895,000 | 29,612,000 | 30,176,000 | 30,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,034,000 | 4,008,000 | 5,956,000 | 7,941,000 |
| Interest expense | 247,000 | 485,000 | 721,000 | 928,000 |
| Net interest income | 1,787,000 | 3,523,000 | 5,235,000 | 7,013,000 |
| Noninterest income | 157,000 | 352,000 | 719,000 | 1,016,000 |
| Noninterest expense | 1,624,000 | 3,674,000 | 5,076,000 | 6,687,000 |
| Provision for loan losses | 165,000 | 220,000 | 220,000 | 270,000 |
| Pretax income | 175,000 | 1,000 | 678,000 | 1,076,000 |
| Income tax | 16,000 | -106,000 | 105,000 | 246,000 |
| Net income | 159,000 | 107,000 | 573,000 | 830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,166,000 | 27,044,000 | 27,658,000 | 27,969,000 |
| Total capital | 28,899,000 | 28,721,000 | 29,350,000 | 29,642,000 |
| Risk-weighted assets | 137,950,000 | 132,471,000 | 134,026,000 | 132,576,000 |