Call reports 2008
OWINGSVILLE BANKING COMPANY — 2008
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,204,000 | 64,194,000 | 63,551,000 | 64,577,000 |
| Total loans | 46,455,000 | 46,612,000 | 46,244,000 | 45,889,000 |
| Allowance for loan losses | 495,000 | 445,000 | 504,000 | 415,000 |
| Securities available for sale | 14,905,000 | 13,236,000 | 13,258,000 | 13,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,956,000 | 51,712,000 | 49,311,000 | 51,689,000 |
| Interest-bearing deposits | 47,730,000 | 44,527,000 | 42,434,000 | 45,359,000 |
| Noninterest-bearing deposits | 7,226,000 | 7,185,000 | 6,877,000 | 6,330,000 |
| Equity capital | 6,857,000 | 6,588,000 | 6,609,000 | 5,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,270,000 | 2,462,000 | 3,616,000 | 4,706,000 |
| Interest expense | 536,000 | 968,000 | 1,322,000 | 1,681,000 |
| Net interest income | 734,000 | 1,494,000 | 2,294,000 | 3,025,000 |
| Noninterest income | 108,000 | 232,000 | 336,000 | 453,000 |
| Noninterest expense | 608,000 | 1,223,000 | 1,861,000 | 2,437,000 |
| Provision for loan losses | 40,000 | 81,000 | 276,000 | 443,000 |
| Pretax income | 194,000 | 422,000 | 493,000 | 598,000 |
| Income tax | 67,000 | 130,000 | 194,000 | 139,000 |
| Net income | 127,000 | 292,000 | 299,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,765,000 | 6,819,000 | 6,736,000 | 6,787,000 |
| Total capital | 7,260,000 | 7,264,000 | 7,240,000 | 7,202,000 |
| Risk-weighted assets | 44,455,000 | 43,788,000 | 43,375,000 | 43,285,000 |