Call reports 2019
OSB COMMUNITY BANK — 2019
What OSB COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 289,146,000 | 301,157,000 | 304,040,000 | 300,300,000 |
| Total loans | 238,673,000 | 247,880,000 | 247,590,000 | 251,939,000 |
| Allowance for loan losses | 2,628,000 | 2,648,000 | 2,774,000 | 2,938,000 |
| Securities available for sale | 24,470,000 | 24,926,000 | 24,089,000 | 24,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,752,000 | 232,826,000 | 242,505,000 | 239,422,000 |
| Interest-bearing deposits | 207,495,000 | 210,959,000 | 225,968,000 | 222,648,000 |
| Noninterest-bearing deposits | 21,257,000 | 21,867,000 | 16,537,000 | 16,774,000 |
| Equity capital | 44,858,000 | 45,531,000 | 46,163,000 | 44,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,155,000 | 6,347,000 | 9,672,000 | 13,084,000 |
| Interest expense | 698,000 | 1,455,000 | 2,315,000 | 3,166,000 |
| Net interest income | 2,457,000 | 4,892,000 | 7,357,000 | 9,918,000 |
| Noninterest income | 255,000 | 623,000 | 1,322,000 | 1,640,000 |
| Noninterest expense | 1,968,000 | 4,003,000 | 6,326,000 | 8,226,000 |
| Provision for loan losses | 130,000 | 300,000 | 405,000 | 595,000 |
| Pretax income | 614,000 | 1,212,000 | 1,948,000 | 2,737,000 |
| Income tax | 198,000 | 341,000 | 524,000 | 747,000 |
| Net income | 416,000 | 871,000 | 1,424,000 | 1,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,835,000 | 44,372,000 | 45,002,000 | 42,934,000 |
| Total capital | 46,463,000 | 47,020,000 | 47,767,000 | 45,620,000 |
| Risk-weighted assets | 215,233,000 | 224,579,000 | 221,251,000 | 214,668,000 |