Call reports 2002
OWINGSVILLE BANKING COMPANY — 2002
What OWINGSVILLE BANKING COMPANY 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 | 51,643,000 | 50,322,000 | 50,997,000 | 53,399,000 |
| Total loans | 34,488,000 | 35,832,000 | 36,317,000 | 35,382,000 |
| Allowance for loan losses | 406,000 | 438,000 | 434,000 | 454,000 |
| Securities available for sale | 10,117,000 | 10,259,000 | 10,171,000 | 9,890,000 |
| Securities held to maturity | 1,236,000 | 1,235,000 | 1,186,000 | 985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,982,000 | 42,985,000 | 43,427,000 | 46,092,000 |
| Interest-bearing deposits | 36,641,000 | 37,146,000 | 37,693,000 | 39,988,000 |
| Noninterest-bearing deposits | 7,341,000 | 5,839,000 | 5,734,000 | 6,104,000 |
| Equity capital | 5,033,000 | 5,108,000 | 5,354,000 | 5,241,000 |
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 | 839,000 | 1,657,000 | 2,486,000 | 3,287,000 |
| Interest expense | 321,000 | 613,000 | 898,000 | 1,168,000 |
| Net interest income | 518,000 | 1,044,000 | 1,588,000 | 2,119,000 |
| Noninterest income | 53,000 | 122,000 | 188,000 | 267,000 |
| Noninterest expense | 353,000 | 704,000 | 1,071,000 | 1,467,000 |
| Provision for loan losses | 27,000 | 54,000 | 82,000 | 108,000 |
| Pretax income | 191,000 | 408,000 | 623,000 | 811,000 |
| Income tax | 45,000 | 90,000 | 136,000 | 207,000 |
| Net income | 146,000 | 318,000 | 487,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,878,000 | 4,850,000 | 5,020,000 | 4,937,000 |
| Total capital | 5,284,000 | 5,288,000 | 5,454,000 | 5,391,000 |
| Risk-weighted assets | 35,264,000 | 35,737,000 | 36,094,000 | 35,761,000 |
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