Call reports 2016
OSB COMMUNITY BANK — 2016
What OSB COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 216,565,000 | 216,723,000 | 276,086,000 | 230,161,000 |
| Total loans | 147,035,000 | 152,911,000 | 157,963,000 | 163,139,000 |
| Allowance for loan losses | 2,192,000 | 2,288,000 | 2,308,000 | 2,247,000 |
| Securities available for sale | 48,445,000 | 45,822,000 | 44,150,000 | 44,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,374,000 | 177,203,000 | 232,429,000 | 183,082,000 |
| Interest-bearing deposits | 169,091,000 | 166,243,000 | 221,601,000 | 162,572,000 |
| Noninterest-bearing deposits | 12,283,000 | 10,960,000 | 10,828,000 | 20,510,000 |
| Equity capital | 30,880,000 | 31,472,000 | 31,873,000 | 40,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,999,000 | 4,238,000 | 6,434,000 | 8,657,000 |
| Interest expense | 211,000 | 426,000 | 650,000 | 888,000 |
| Net interest income | 1,788,000 | 3,812,000 | 5,784,000 | 7,769,000 |
| Noninterest income | 217,000 | 524,000 | 959,000 | 1,297,000 |
| Noninterest expense | 1,500,000 | 3,094,000 | 4,822,000 | 6,713,000 |
| Provision for loan losses | 120,000 | 278,000 | 303,000 | 442,000 |
| Pretax income | 385,000 | 969,000 | 1,623,000 | 1,916,000 |
| Income tax | 115,000 | 297,000 | 520,000 | 600,000 |
| Net income | 270,000 | 672,000 | 1,103,000 | 1,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,315,000 | 29,018,000 | 29,767,000 | 39,489,000 |
| Total capital | 30,063,000 | 30,807,000 | 31,788,000 | 41,430,000 |
| Risk-weighted assets | 138,959,000 | 142,334,000 | 161,180,000 | 154,805,000 |