Call reports 2021
OSB COMMUNITY BANK — 2021
What OSB COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 323,547,000 | 330,207,000 | 342,948,000 | 342,532,000 |
| Total loans | 274,332,000 | 284,415,000 | 275,505,000 | 287,921,000 |
| Allowance for loan losses | 3,529,000 | 3,625,000 | 3,614,000 | 3,640,000 |
| Securities available for sale | 17,307,000 | 17,626,000 | 29,500,000 | 32,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,483,000 | 260,767,000 | 274,480,000 | 274,600,000 |
| Interest-bearing deposits | 231,855,000 | 236,819,000 | 252,235,000 | 250,581,000 |
| Noninterest-bearing deposits | 23,628,000 | 23,948,000 | 22,245,000 | 24,019,000 |
| Equity capital | 45,573,000 | 46,371,000 | 47,194,000 | 45,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,162,000 | 6,526,000 | 9,949,000 | 13,290,000 |
| Interest expense | 475,000 | 869,000 | 1,239,000 | 1,576,000 |
| Net interest income | 2,687,000 | 5,657,000 | 8,710,000 | 11,714,000 |
| Noninterest income | 376,000 | 975,000 | 1,488,000 | 2,056,000 |
| Noninterest expense | 2,227,000 | 4,658,000 | 7,105,000 | 9,501,000 |
| Provision for loan losses | 50,000 | 125,000 | 125,000 | 150,000 |
| Pretax income | 786,000 | 1,849,000 | 2,968,000 | 4,119,000 |
| Income tax | 208,000 | 491,000 | 795,000 | 1,167,000 |
| Net income | 578,000 | 1,358,000 | 2,173,000 | 2,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,385,000 | 45,230,000 | 46,110,000 | 45,018,000 |
| Total capital | 47,205,000 | 48,091,000 | 48,952,000 | 48,096,000 |
| Risk-weighted assets | 224,959,000 | 228,147,000 | 226,600,000 | 245,690,000 |