Call reports 2011
OWINGSVILLE BANKING COMPANY — 2011
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 67,716,000 | 66,619,000 | 66,146,000 | 67,924,000 |
| Total loans | 45,037,000 | 44,383,000 | 44,087,000 | 43,446,000 |
| Allowance for loan losses | 670,000 | 625,000 | 649,000 | 737,000 |
| Securities available for sale | 15,731,000 | 16,845,000 | 16,946,000 | 16,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,984,000 | 53,793,000 | 53,151,000 | 54,988,000 |
| Interest-bearing deposits | 48,201,000 | 47,027,000 | 47,573,000 | 48,453,000 |
| Noninterest-bearing deposits | 6,783,000 | 6,766,000 | 5,578,000 | 6,535,000 |
| Equity capital | 6,651,000 | 6,695,000 | 6,748,000 | 5,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 964,000 | 1,912,000 | 2,886,000 | 3,748,000 |
| Interest expense | 203,000 | 388,000 | 554,000 | 719,000 |
| Net interest income | 761,000 | 1,524,000 | 2,332,000 | 3,029,000 |
| Noninterest income | 97,000 | 237,000 | 337,000 | 304,000 |
| Noninterest expense | 591,000 | 1,295,000 | 1,972,000 | 2,643,000 |
| Provision for loan losses | 90,000 | 146,000 | 373,000 | 578,000 |
| Pretax income | 177,000 | 320,000 | 324,000 | 112,000 |
| Income tax | 54,000 | 110,000 | 136,000 | -20,000 |
| Net income | 123,000 | 210,000 | 188,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,774,000 | 6,758,000 | 6,736,000 | 6,581,000 |
| Total capital | 7,327,000 | 7,302,000 | 7,276,000 | 7,124,000 |
| Risk-weighted assets | 44,164,000 | 43,459,000 | 43,115,000 | 43,271,000 |