Call reports 2003
OWINGSVILLE BANKING COMPANY — 2003
What OWINGSVILLE BANKING COMPANY 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 | 54,559,000 | 53,387,000 | 54,676,000 | 56,358,000 |
| Total loans | 35,143,000 | 35,960,000 | 36,620,000 | 36,951,000 |
| Allowance for loan losses | 457,000 | 457,000 | 464,000 | 443,000 |
| Securities available for sale | 11,879,000 | 12,005,000 | 12,392,000 | 11,520,000 |
| Securities held to maturity | 1,756,000 | 1,753,000 | 562,000 | 514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,116,000 | 45,801,000 | 46,706,000 | 48,442,000 |
| Interest-bearing deposits | 40,940,000 | 40,255,000 | 40,691,000 | 42,248,000 |
| Noninterest-bearing deposits | 6,176,000 | 5,546,000 | 6,015,000 | 6,194,000 |
| Equity capital | 5,306,000 | 5,378,000 | 5,427,000 | 5,318,000 |
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 | 796,000 | 1,621,000 | 2,481,000 | 3,273,000 |
| Interest expense | 264,000 | 509,000 | 754,000 | 993,000 |
| Net interest income | 532,000 | 1,112,000 | 1,727,000 | 2,280,000 |
| Noninterest income | 59,000 | 135,000 | 207,000 | 288,000 |
| Noninterest expense | 428,000 | 829,000 | 1,258,000 | 1,631,000 |
| Provision for loan losses | 2,000 | 21,000 | 39,000 | 56,000 |
| Pretax income | 161,000 | 397,000 | 637,000 | 881,000 |
| Income tax | 41,000 | 96,000 | 151,000 | 239,000 |
| Net income | 120,000 | 301,000 | 486,000 | 642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,057,000 | 5,038,000 | 5,223,000 | 5,179,000 |
| Total capital | 5,514,000 | 5,488,000 | 5,687,000 | 5,622,000 |
| Risk-weighted assets | 35,915,000 | 35,986,000 | 36,739,000 | 37,036,000 |
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