Call reports 2018
OSB COMMUNITY BANK — 2018
What OSB COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 267,587,000 | 273,192,000 | 277,304,000 | 292,679,000 |
| Total loans | 223,000,000 | 223,628,000 | 227,227,000 | 238,554,000 |
| Allowance for loan losses | 2,570,000 | 2,546,000 | 2,594,000 | 2,628,000 |
| Securities available for sale | 25,454,000 | 25,556,000 | 24,592,000 | 25,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,139,000 | 215,778,000 | 216,309,000 | 231,108,000 |
| Interest-bearing deposits | 185,928,000 | 195,421,000 | 196,952,000 | 209,391,000 |
| Noninterest-bearing deposits | 21,211,000 | 20,357,000 | 19,357,000 | 21,717,000 |
| Equity capital | 42,414,000 | 42,816,000 | 43,408,000 | 44,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,686,000 | 5,565,000 | 8,509,000 | 11,607,000 |
| Interest expense | 397,000 | 863,000 | 1,381,000 | 2,047,000 |
| Net interest income | 2,289,000 | 4,702,000 | 7,128,000 | 9,560,000 |
| Noninterest income | 325,000 | 672,000 | 1,081,000 | 1,448,000 |
| Noninterest expense | 1,811,000 | 3,871,000 | 5,847,000 | 7,712,000 |
| Provision for loan losses | 125,000 | 312,000 | 377,000 | 527,000 |
| Pretax income | 678,000 | 1,191,000 | 1,985,000 | 2,769,000 |
| Income tax | 177,000 | 305,000 | 500,000 | 706,000 |
| Net income | 501,000 | 886,000 | 1,485,000 | 2,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,515,000 | 41,747,000 | 42,611,000 | 43,340,000 |
| Total capital | 44,058,000 | 44,293,000 | 45,205,000 | 45,968,000 |
| Risk-weighted assets | 203,452,000 | 206,276,000 | 214,753,000 | 218,058,000 |