Call reports 2005
OSAGE VALLEY BANK — 2005
What OSAGE VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 96,809,000 | 97,253,000 | 98,296,000 | 102,329,000 |
| Total loans | 48,211,000 | 51,689,000 | 52,978,000 | 53,682,000 |
| Allowance for loan losses | 517,000 | 528,000 | 538,000 | 549,000 |
| Securities available for sale | 36,784,000 | 37,031,000 | 35,627,000 | 33,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,880,000 | 78,480,000 | 79,838,000 | 84,823,000 |
| Interest-bearing deposits | 72,476,000 | 70,808,000 | 71,839,000 | 77,989,000 |
| Noninterest-bearing deposits | 8,404,000 | 7,672,000 | 7,999,000 | 6,834,000 |
| Equity capital | 9,438,000 | 9,956,000 | 10,010,000 | 9,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,145,000 | 2,318,000 | 3,508,000 | 4,720,000 |
| Interest expense | 486,000 | 1,004,000 | 1,570,000 | 2,191,000 |
| Net interest income | 659,000 | 1,314,000 | 1,938,000 | 2,529,000 |
| Noninterest income | 95,000 | 221,000 | 363,000 | 574,000 |
| Noninterest expense | 431,000 | 879,000 | 1,349,000 | 1,899,000 |
| Provision for loan losses | 10,000 | 21,000 | 31,000 | 42,000 |
| Pretax income | 313,000 | 635,000 | 921,000 | 1,162,000 |
| Income tax | 86,000 | 174,000 | 248,000 | 299,000 |
| Net income | 227,000 | 461,000 | 673,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,988,000 | 6,221,000 | 6,434,000 | 6,024,000 |
| Total capital | 6,505,000 | 6,749,000 | 6,972,000 | 6,573,000 |
| Risk-weighted assets | 51,830,000 | 54,944,000 | 56,687,000 | 57,497,000 |