Call reports 2009
OWINGSVILLE BANKING COMPANY — 2009
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 66,400,000 | 65,290,000 | 65,546,000 | 65,554,000 |
| Total loans | 45,279,000 | 45,076,000 | 45,434,000 | 45,457,000 |
| Allowance for loan losses | 460,000 | 429,000 | 386,000 | 586,000 |
| Securities available for sale | 14,138,000 | 14,028,000 | 13,614,000 | 14,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,454,000 | 54,378,000 | 54,271,000 | 54,801,000 |
| Interest-bearing deposits | 48,274,000 | 48,248,000 | 48,118,000 | 48,120,000 |
| Noninterest-bearing deposits | 7,180,000 | 6,130,000 | 6,153,000 | 6,681,000 |
| Equity capital | 5,977,000 | 5,869,000 | 6,166,000 | 6,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,067,000 | 2,091,000 | 3,197,000 | 4,195,000 |
| Interest expense | 353,000 | 694,000 | 1,017,000 | 1,318,000 |
| Net interest income | 714,000 | 1,397,000 | 2,180,000 | 2,877,000 |
| Noninterest income | 93,000 | 204,000 | 317,000 | 455,000 |
| Noninterest expense | 653,000 | 1,327,000 | 2,003,000 | 2,630,000 |
| Provision for loan losses | 41,000 | 81,000 | 123,000 | 394,000 |
| Pretax income | 113,000 | 193,000 | 371,000 | 308,000 |
| Income tax | 53,000 | 78,000 | 88,000 | 44,000 |
| Net income | 60,000 | 115,000 | 283,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,847,000 | 6,802,000 | 6,970,000 | 6,751,000 |
| Total capital | 7,307,000 | 7,231,000 | 7,356,000 | 6,751,000 |
| Risk-weighted assets | 43,170,000 | 45,665,000 | 38,858,000 | 42,780,000 |