Call reports 2004
OSAGE VALLEY BANK — 2004
What OSAGE VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,516,000 | 89,320,000 | 94,231,000 | 97,507,000 |
| Total loans | 45,198,000 | 46,868,000 | 48,443,000 | 49,090,000 |
| Allowance for loan losses | 475,000 | 486,000 | 496,000 | 507,000 |
| Securities available for sale | 34,656,000 | 33,023,000 | 32,364,000 | 34,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,613,000 | 74,238,000 | 76,698,000 | 81,077,000 |
| Interest-bearing deposits | 66,795,000 | 66,471,000 | 68,209,000 | 73,911,000 |
| Noninterest-bearing deposits | 6,818,000 | 7,767,000 | 8,489,000 | 7,166,000 |
| Equity capital | 10,238,000 | 9,937,000 | 10,422,000 | 9,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,079,000 | 2,139,000 | 3,227,000 | 4,352,000 |
| Interest expense | 410,000 | 802,000 | 1,206,000 | 1,668,000 |
| Net interest income | 669,000 | 1,337,000 | 2,021,000 | 2,684,000 |
| Noninterest income | 91,000 | 191,000 | 290,000 | 387,000 |
| Noninterest expense | 417,000 | 847,000 | 1,272,000 | 1,744,000 |
| Provision for loan losses | 10,000 | 21,000 | 31,000 | 42,000 |
| Pretax income | 333,000 | 660,000 | 1,008,000 | 1,285,000 |
| Income tax | 97,000 | 191,000 | 293,000 | 358,000 |
| Net income | 236,000 | 469,000 | 715,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,970,000 | 6,203,000 | 6,449,000 | 5,761,000 |
| Total capital | 6,445,000 | 6,689,000 | 6,945,000 | 6,268,000 |
| Risk-weighted assets | 47,181,000 | 48,344,000 | 50,699,000 | 54,652,000 |