Call reports 2024
OSB COMMUNITY BANK — 2024
What OSB COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 357,381,000 | 353,154,000 | 355,091,000 | 353,596,000 |
| Total loans | 310,629,000 | 307,020,000 | 308,831,000 | 306,250,000 |
| Allowance for loan losses | 4,339,000 | 4,300,000 | 4,303,000 | 4,276,000 |
| Securities available for sale | 18,046,000 | 18,636,000 | 18,648,000 | 16,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,041,000 | 279,347,000 | 278,514,000 | 285,438,000 |
| Interest-bearing deposits | 258,790,000 | 252,222,000 | 255,092,000 | 260,589,000 |
| Noninterest-bearing deposits | 25,251,000 | 27,125,000 | 23,422,000 | 24,849,000 |
| Equity capital | 41,738,000 | 39,925,000 | 40,733,000 | 40,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,960,000 | 8,009,000 | 12,139,000 | 16,516,000 |
| Interest expense | 1,699,000 | 3,449,000 | 5,315,000 | 7,157,000 |
| Net interest income | 2,261,000 | 4,560,000 | 6,824,000 | 9,359,000 |
| Noninterest income | 189,000 | 409,000 | 593,000 | 904,000 |
| Noninterest expense | 2,061,000 | 4,118,000 | 6,212,000 | 8,299,000 |
| Provision for loan losses | -37,000 | -77,000 | -68,000 | -135,000 |
| Pretax income | 439,000 | 341,000 | 690,000 | 1,514,000 |
| Income tax | 101,000 | 58,000 | 149,000 | 371,000 |
| Net income | 338,000 | 283,000 | 541,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,851,000 | 41,513,000 | 41,789,000 | 42,630,000 |
| Total capital | 47,007,000 | 44,689,000 | 45,035,000 | 45,792,000 |
| Risk-weighted assets | 251,413,000 | 253,131,000 | 258,793,000 | 252,008,000 |