Call reports 2007
OWINGSVILLE BANKING COMPANY — 2007
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 71,035,000 | 66,712,000 | 67,121,000 | 66,530,000 |
| Total loans | 46,797,000 | 45,898,000 | 46,102,000 | 47,153,000 |
| Allowance for loan losses | 494,000 | 503,000 | 520,000 | 504,000 |
| Securities available for sale | 16,273,000 | 16,060,000 | 15,276,000 | 14,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,561,000 | 55,395,000 | 55,150,000 | 55,571,000 |
| Interest-bearing deposits | 52,289,000 | 49,001,000 | 48,772,000 | 48,634,000 |
| Noninterest-bearing deposits | 7,272,000 | 6,394,000 | 6,378,000 | 6,937,000 |
| Equity capital | 6,468,000 | 6,308,000 | 6,570,000 | 6,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,326,000 | 2,636,000 | 3,947,000 | 5,263,000 |
| Interest expense | 630,000 | 1,248,000 | 1,830,000 | 2,372,000 |
| Net interest income | 696,000 | 1,388,000 | 2,117,000 | 2,891,000 |
| Noninterest income | 112,000 | 238,000 | 347,000 | 466,000 |
| Noninterest expense | 503,000 | 1,019,000 | 1,617,000 | 2,325,000 |
| Provision for loan losses | 31,000 | 67,000 | 104,000 | 141,000 |
| Pretax income | 274,000 | 540,000 | 743,000 | 891,000 |
| Income tax | 85,000 | 172,000 | 260,000 | 233,000 |
| Net income | 189,000 | 368,000 | 483,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,709,000 | 6,688,000 | 6,802,000 | 6,727,000 |
| Total capital | 7,203,000 | 7,191,000 | 7,322,000 | 7,231,000 |
| Risk-weighted assets | 44,795,000 | 43,050,000 | 44,339,000 | 47,199,000 |
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