Call reports 2002
OSAGE VALLEY BANK — 2002
What OSAGE VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 74,917,000 | 75,215,000 | 77,283,000 | 81,209,000 |
| Total loans | 38,209,000 | 38,474,000 | 39,247,000 | 39,506,000 |
| Allowance for loan losses | 396,000 | 405,000 | 414,000 | 423,000 |
| Securities available for sale | 27,513,000 | 29,431,000 | 29,677,000 | 28,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,691,000 | 60,014,000 | 61,506,000 | 66,553,000 |
| Interest-bearing deposits | 54,945,000 | 53,332,000 | 54,406,000 | 60,417,000 |
| Noninterest-bearing deposits | 5,746,000 | 6,682,000 | 7,100,000 | 6,136,000 |
| Equity capital | 9,275,000 | 9,830,000 | 10,295,000 | 9,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,116,000 | 2,235,000 | 3,366,000 | 4,497,000 |
| Interest expense | 501,000 | 958,000 | 1,416,000 | 1,865,000 |
| Net interest income | 615,000 | 1,277,000 | 1,950,000 | 2,632,000 |
| Noninterest income | 56,000 | 115,000 | 217,000 | 305,000 |
| Noninterest expense | 343,000 | 746,000 | 1,148,000 | 1,570,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 319,000 | 628,000 | 992,000 | 1,331,000 |
| Income tax | 97,000 | 173,000 | 276,000 | 372,000 |
| Net income | 222,000 | 455,000 | 716,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,379,000 | 5,613,000 | 5,874,000 | 5,617,000 |
| Total capital | 5,775,000 | 6,018,000 | 6,288,000 | 6,040,000 |
| Risk-weighted assets | 39,458,000 | 33,825,000 | 40,830,000 | 41,221,000 |