Call reports 2010
OWINGSVILLE BANKING COMPANY — 2010
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 65,223,000 | 65,308,000 | 66,086,000 | 66,919,000 |
| Total loans | 44,882,000 | 45,475,000 | 45,674,000 | 45,214,000 |
| Allowance for loan losses | 555,000 | 511,000 | 481,000 | 626,000 |
| Securities available for sale | 14,668,000 | 15,317,000 | 15,958,000 | 15,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,566,000 | 52,042,000 | 52,454,000 | 54,159,000 |
| Interest-bearing deposits | 46,162,000 | 45,969,000 | 46,477,000 | 47,714,000 |
| Noninterest-bearing deposits | 6,404,000 | 6,073,000 | 5,977,000 | 6,445,000 |
| Equity capital | 6,764,000 | 6,733,000 | 7,032,000 | 6,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 987,000 | 2,008,000 | 3,018,000 | 3,990,000 |
| Interest expense | 246,000 | 469,000 | 693,000 | 909,000 |
| Net interest income | 741,000 | 1,539,000 | 2,325,000 | 3,081,000 |
| Noninterest income | 91,000 | 203,000 | 305,000 | 429,000 |
| Noninterest expense | 641,000 | 1,293,000 | 1,888,000 | 2,469,000 |
| Provision for loan losses | 40,000 | 81,000 | 155,000 | 690,000 |
| Pretax income | 151,000 | 368,000 | 587,000 | 351,000 |
| Income tax | 44,000 | 81,000 | 123,000 | 53,000 |
| Net income | 107,000 | 287,000 | 464,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,858,000 | 6,838,000 | 7,015,000 | 6,649,000 |
| Total capital | 7,413,000 | 7,349,000 | 7,496,000 | 7,219,000 |
| Risk-weighted assets | 43,613,000 | 45,382,000 | 41,380,000 | 45,541,000 |