Call reports 2006
OSAGE VALLEY BANK — 2006
What OSAGE VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 100,850,000 | 105,035,000 | 105,796,000 | 108,851,000 |
| Total loans | 54,980,000 | 56,267,000 | 58,168,000 | 58,565,000 |
| Allowance for loan losses | 559,000 | 551,000 | 528,000 | 533,000 |
| Securities available for sale | 33,266,000 | 35,181,000 | 34,961,000 | 34,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,088,000 | 89,803,000 | 90,297,000 | 92,364,000 |
| Interest-bearing deposits | 77,963,000 | 81,309,000 | 82,432,000 | 85,093,000 |
| Noninterest-bearing deposits | 7,125,000 | 8,494,000 | 7,865,000 | 7,271,000 |
| Equity capital | 9,485,000 | 9,392,000 | 9,834,000 | 10,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,250,000 | 2,542,000 | 3,885,000 | 5,264,000 |
| Interest expense | 677,000 | 1,431,000 | 2,232,000 | 3,051,000 |
| Net interest income | 573,000 | 1,111,000 | 1,653,000 | 2,213,000 |
| Noninterest income | 141,000 | 300,000 | 467,000 | 624,000 |
| Noninterest expense | 510,000 | 1,050,000 | 1,608,000 | 2,224,000 |
| Provision for loan losses | 10,000 | 21,000 | 21,000 | 32,000 |
| Pretax income | 194,000 | 340,000 | 491,000 | 581,000 |
| Income tax | 42,000 | 71,000 | 98,000 | 106,000 |
| Net income | 152,000 | 269,000 | 393,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,176,000 | 6,293,000 | 6,417,000 | 6,499,000 |
| Total capital | 6,735,000 | 6,844,000 | 6,945,000 | 7,032,000 |
| Risk-weighted assets | 58,874,000 | 59,598,000 | 60,277,000 | 63,830,000 |