Call reports 2003
OSAGE VALLEY BANK — 2003
What OSAGE VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,687,000 | 84,094,000 | 87,196,000 | 91,418,000 |
| Total loans | 40,784,000 | 41,298,000 | 45,087,000 | 45,544,000 |
| Allowance for loan losses | 433,000 | 444,000 | 454,000 | 465,000 |
| Securities available for sale | 28,843,000 | 31,987,000 | 31,514,000 | 32,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,894,000 | 67,011,000 | 70,497,000 | 74,415,000 |
| Interest-bearing deposits | 61,128,000 | 60,128,000 | 62,841,000 | 67,041,000 |
| Noninterest-bearing deposits | 6,766,000 | 6,883,000 | 7,656,000 | 7,374,000 |
| Equity capital | 10,211,000 | 10,656,000 | 10,577,000 | 9,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,033,000 | 2,104,000 | 3,165,000 | 4,234,000 |
| Interest expense | 429,000 | 849,000 | 1,268,000 | 1,681,000 |
| Net interest income | 604,000 | 1,255,000 | 1,897,000 | 2,553,000 |
| Noninterest income | 83,000 | 171,000 | 270,000 | 362,000 |
| Noninterest expense | 385,000 | 772,000 | 1,169,000 | 1,596,000 |
| Provision for loan losses | 10,000 | 21,000 | 31,000 | 42,000 |
| Pretax income | 292,000 | 633,000 | 967,000 | 1,277,000 |
| Income tax | 79,000 | 175,000 | 275,000 | 360,000 |
| Net income | 213,000 | 458,000 | 692,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,830,000 | 6,075,000 | 6,309,000 | 5,734,000 |
| Total capital | 6,263,000 | 6,519,000 | 6,763,000 | 6,199,000 |
| Risk-weighted assets | 42,813,000 | 42,902,000 | 46,410,000 | 47,308,000 |