Call reports 2006
OWINGSVILLE BANKING COMPANY — 2006
What OWINGSVILLE BANKING COMPANY 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 | 64,414,000 | 66,589,000 | 67,118,000 | 71,645,000 |
| Total loans | 44,831,000 | 46,242,000 | 47,215,000 | 46,920,000 |
| Allowance for loan losses | 476,000 | 468,000 | 472,000 | 479,000 |
| Securities available for sale | 13,561,000 | 13,452,000 | 12,895,000 | 15,189,000 |
| Securities held to maturity | 60,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,910,000 | 53,968,000 | 54,412,000 | 59,588,000 |
| Interest-bearing deposits | 45,084,000 | 47,570,000 | 48,053,000 | 52,936,000 |
| Noninterest-bearing deposits | 7,826,000 | 6,398,000 | 6,359,000 | 6,652,000 |
| Equity capital | 5,746,000 | 5,893,000 | 6,207,000 | 6,292,000 |
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 | 1,127,000 | 2,312,000 | 3,556,000 | 4,906,000 |
| Interest expense | 430,000 | 899,000 | 1,407,000 | 1,984,000 |
| Net interest income | 697,000 | 1,413,000 | 2,149,000 | 2,922,000 |
| Noninterest income | 112,000 | 234,000 | 350,000 | 460,000 |
| Noninterest expense | 537,000 | 1,056,000 | 1,585,000 | 2,154,000 |
| Provision for loan losses | 27,000 | 54,000 | 82,000 | 124,000 |
| Pretax income | 245,000 | 537,000 | 832,000 | 1,104,000 |
| Income tax | 88,000 | 170,000 | 253,000 | 316,000 |
| Net income | 157,000 | 367,000 | 579,000 | 788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,089,000 | 6,299,000 | 6,511,000 | 6,520,000 |
| Total capital | 6,565,000 | 6,767,000 | 6,983,000 | 6,999,000 |
| Risk-weighted assets | 44,647,000 | 46,220,000 | 46,741,000 | 46,713,000 |
Machine access — free, no API key
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