Call reports 2022
OSB COMMUNITY BANK — 2022
What OSB COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 348,566,000 | 343,174,000 | 359,103,000 | 357,790,000 |
| Total loans | 285,685,000 | 294,374,000 | 304,247,000 | 312,051,000 |
| Allowance for loan losses | 3,579,000 | 3,572,000 | 4,449,000 | 4,301,000 |
| Securities available for sale | 29,565,000 | 26,513,000 | 21,715,000 | 20,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,594,000 | 284,037,000 | 295,590,000 | 290,952,000 |
| Interest-bearing deposits | 255,014,000 | 258,994,000 | 272,173,000 | 267,432,000 |
| Noninterest-bearing deposits | 27,580,000 | 25,043,000 | 23,417,000 | 23,520,000 |
| Equity capital | 44,959,000 | 43,784,000 | 43,079,000 | 42,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,357,000 | 6,651,000 | 10,015,000 | 13,642,000 |
| Interest expense | 320,000 | 658,000 | 1,115,000 | 1,896,000 |
| Net interest income | 3,037,000 | 5,993,000 | 8,900,000 | 11,746,000 |
| Noninterest income | 321,000 | 567,000 | 838,000 | 1,328,000 |
| Noninterest expense | 2,123,000 | 4,294,000 | 6,271,000 | 8,372,000 |
| Provision for loan losses | 0 | 0 | 730,000 | 1,148,000 |
| Pretax income | 1,235,000 | 2,263,000 | 2,724,000 | 3,541,000 |
| Income tax | 342,000 | 619,000 | 746,000 | 977,000 |
| Net income | 893,000 | 1,644,000 | 1,978,000 | 2,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,228,000 | 45,197,000 | 44,876,000 | 43,897,000 |
| Total capital | 48,161,000 | 48,280,000 | 48,116,000 | 47,068,000 |
| Risk-weighted assets | 234,048,000 | 246,197,000 | 258,011,000 | 252,615,000 |