Call reports 2020
OSB COMMUNITY BANK — 2020
What OSB COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 306,801,000 | 311,812,000 | 310,402,000 | 307,625,000 |
| Total loans | 253,682,000 | 258,044,000 | 260,210,000 | 258,582,000 |
| Allowance for loan losses | 3,358,000 | 3,461,000 | 3,499,000 | 3,479,000 |
| Securities available for sale | 22,899,000 | 23,409,000 | 21,863,000 | 18,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,359,000 | 244,815,000 | 242,586,000 | 237,407,000 |
| Interest-bearing deposits | 225,062,000 | 219,578,000 | 220,148,000 | 218,307,000 |
| Noninterest-bearing deposits | 20,297,000 | 25,237,000 | 22,438,000 | 19,100,000 |
| Equity capital | 44,023,000 | 45,308,000 | 46,154,000 | 45,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,188,000 | 6,587,000 | 9,978,000 | 13,362,000 |
| Interest expense | 807,000 | 1,460,000 | 2,030,000 | 2,566,000 |
| Net interest income | 2,381,000 | 5,127,000 | 7,948,000 | 10,796,000 |
| Noninterest income | 314,000 | 1,023,000 | 1,776,000 | 2,294,000 |
| Noninterest expense | 2,126,000 | 4,340,000 | 6,718,000 | 9,069,000 |
| Provision for loan losses | 450,000 | 580,000 | 660,000 | 660,000 |
| Pretax income | 120,000 | 1,231,000 | 2,347,000 | 3,362,000 |
| Income tax | 21,000 | 318,000 | 618,000 | 771,000 |
| Net income | 99,000 | 913,000 | 1,729,000 | 2,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,086,000 | 43,952,000 | 44,820,000 | 43,742,000 |
| Total capital | 45,812,000 | 46,844,000 | 47,669,000 | 46,607,000 |
| Risk-weighted assets | 217,500,000 | 230,849,000 | 227,334,000 | 228,605,000 |