Call reports 2004
OWINGSVILLE BANKING COMPANY — 2004
What OWINGSVILLE BANKING COMPANY 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 | 57,968,000 | 58,399,000 | 56,445,000 | 58,668,000 |
| Total loans | 37,366,000 | 38,154,000 | 39,716,000 | 40,715,000 |
| Allowance for loan losses | 443,000 | 455,000 | 462,000 | 447,000 |
| Securities available for sale | 14,873,000 | 15,009,000 | 12,678,000 | 11,745,000 |
| Securities held to maturity | 312,000 | 210,000 | 210,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,904,000 | 50,240,000 | 45,905,000 | 50,494,000 |
| Interest-bearing deposits | 43,708,000 | 43,709,000 | 40,017,000 | 43,236,000 |
| Noninterest-bearing deposits | 6,196,000 | 6,531,000 | 5,888,000 | 7,258,000 |
| Equity capital | 5,549,000 | 5,384,000 | 5,742,000 | 5,254,000 |
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 | 853,000 | 1,742,000 | 2,624,000 | 3,478,000 |
| Interest expense | 229,000 | 451,000 | 669,000 | 921,000 |
| Net interest income | 624,000 | 1,291,000 | 1,955,000 | 2,557,000 |
| Noninterest income | 68,000 | 153,000 | 263,000 | 408,000 |
| Noninterest expense | 443,000 | 905,000 | 1,405,000 | 1,904,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 101,000 |
| Pretax income | 224,000 | 489,000 | 738,000 | 960,000 |
| Income tax | 64,000 | 127,000 | 192,000 | 258,000 |
| Net income | 160,000 | 362,000 | 546,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,338,000 | 5,541,000 | 5,725,000 | 5,233,000 |
| Total capital | 5,781,000 | 5,996,000 | 6,187,000 | 5,680,000 |
| Risk-weighted assets | 38,471,000 | 39,246,000 | 40,184,000 | 41,156,000 |
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