Call reports 2017
OSB COMMUNITY BANK — 2017
What OSB COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 236,408,000 | 238,986,000 | 245,686,000 | 255,217,000 |
| Total loans | 169,972,000 | 182,627,000 | 193,779,000 | 210,006,000 |
| Allowance for loan losses | 2,184,000 | 2,241,000 | 2,366,000 | 2,472,000 |
| Securities available for sale | 43,993,000 | 38,159,000 | 30,176,000 | 26,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,767,000 | 190,024,000 | 188,698,000 | 192,581,000 |
| Interest-bearing deposits | 166,650,000 | 167,910,000 | 166,197,000 | 171,212,000 |
| Noninterest-bearing deposits | 22,117,000 | 22,114,000 | 22,501,000 | 21,369,000 |
| Equity capital | 41,367,000 | 42,075,000 | 42,537,000 | 42,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,316,000 | 4,847,000 | 7,387,000 | 10,056,000 |
| Interest expense | 231,000 | 481,000 | 768,000 | 1,119,000 |
| Net interest income | 2,085,000 | 4,366,000 | 6,619,000 | 8,937,000 |
| Noninterest income | 311,000 | 694,000 | 1,076,000 | 1,436,000 |
| Noninterest expense | 1,759,000 | 3,611,000 | 5,443,000 | 7,387,000 |
| Provision for loan losses | 90,000 | 250,000 | 460,000 | 575,000 |
| Pretax income | 547,000 | 1,213,000 | 1,835,000 | 2,382,000 |
| Income tax | 183,000 | 357,000 | 520,000 | 1,523,000 |
| Net income | 364,000 | 856,000 | 1,315,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,002,000 | 40,569,000 | 41,059,000 | 40,789,000 |
| Total capital | 42,002,000 | 42,680,000 | 43,306,000 | 43,185,000 |
| Risk-weighted assets | 159,806,000 | 168,740,000 | 179,639,000 | 191,616,000 |