Call reports 2005
OWINGSVILLE BANKING COMPANY — 2005
What OWINGSVILLE BANKING COMPANY 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 | 58,321,000 | 60,863,000 | 63,369,000 | 63,573,000 |
| Total loans | 40,895,000 | 42,130,000 | 43,895,000 | 44,627,000 |
| Allowance for loan losses | 459,000 | 480,000 | 499,000 | 473,000 |
| Securities available for sale | 11,507,000 | 11,558,000 | 11,396,000 | 12,236,000 |
| Securities held to maturity | 210,000 | 210,000 | 110,000 | 1,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,031,000 | 49,775,000 | 50,456,000 | 52,291,000 |
| Interest-bearing deposits | 42,770,000 | 42,770,000 | 43,129,000 | 44,744,000 |
| Noninterest-bearing deposits | 7,261,000 | 7,005,000 | 7,327,000 | 7,547,000 |
| Equity capital | 5,298,000 | 5,358,000 | 5,526,000 | 5,609,000 |
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 | 934,000 | 1,930,000 | 2,990,000 | 4,059,000 |
| Interest expense | 275,000 | 557,000 | 900,000 | 1,293,000 |
| Net interest income | 659,000 | 1,373,000 | 2,090,000 | 2,766,000 |
| Noninterest income | 107,000 | 229,000 | 350,000 | 506,000 |
| Noninterest expense | 522,000 | 1,045,000 | 1,584,000 | 2,110,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 117,000 |
| Pretax income | 219,000 | 507,000 | 781,000 | 1,045,000 |
| Income tax | 74,000 | 149,000 | 225,000 | 293,000 |
| Net income | 145,000 | 358,000 | 556,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,378,000 | 5,539,000 | 5,735,000 | 5,932,000 |
| Total capital | 5,837,000 | 6,019,000 | 6,234,000 | 6,405,000 |
| Risk-weighted assets | 41,164,000 | 42,223,000 | 41,412,000 | 45,433,000 |
Machine access — free, no API key
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