Call reports 2023
OSB COMMUNITY BANK — 2023
What OSB COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 369,081,000 | 366,699,000 | 365,160,000 | 363,859,000 |
| Total loans | 321,076,000 | 322,560,000 | 317,991,000 | 316,553,000 |
| Allowance for loan losses | 4,926,000 | 4,900,000 | 4,388,000 | 4,371,000 |
| Securities available for sale | 20,658,000 | 20,589,000 | 19,390,000 | 18,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,198,000 | 293,566,000 | 286,869,000 | 283,851,000 |
| Interest-bearing deposits | 270,493,000 | 264,155,000 | 260,159,000 | 257,586,000 |
| Noninterest-bearing deposits | 26,705,000 | 29,411,000 | 26,710,000 | 26,265,000 |
| Equity capital | 42,161,000 | 41,702,000 | 41,308,000 | 41,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,648,000 | 7,577,000 | 11,480,000 | 15,423,000 |
| Interest expense | 1,105,000 | 2,532,000 | 4,062,000 | 5,651,000 |
| Net interest income | 2,543,000 | 5,045,000 | 7,418,000 | 9,772,000 |
| Noninterest income | 281,000 | 531,000 | 781,000 | 1,043,000 |
| Noninterest expense | 2,035,000 | 4,101,000 | 6,096,000 | 8,160,000 |
| Provision for loan losses | 138,000 | 5,000 | -158,000 | -193,000 |
| Pretax income | 651,000 | 1,456,000 | 2,247,000 | 2,834,000 |
| Income tax | 178,000 | 395,000 | 605,000 | 759,000 |
| Net income | 473,000 | 1,061,000 | 1,642,000 | 2,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,148,000 | 43,914,000 | 43,871,000 | 43,979,000 |
| Total capital | 47,414,000 | 47,259,000 | 47,103,000 | 47,300,000 |
| Risk-weighted assets | 259,957,000 | 266,372,000 | 257,588,000 | 264,818,000 |