Call reports 2012
OWINGSVILLE BANKING COMPANY — 2012
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 69,533,000 | 67,924,000 | 66,402,000 | 66,296,000 |
| Total loans | 42,860,000 | 43,071,000 | 43,269,000 | 42,098,000 |
| Allowance for loan losses | 755,000 | 724,000 | 731,000 | 653,000 |
| Securities available for sale | 16,878,000 | 17,436,000 | 17,470,000 | 16,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,651,000 | 54,936,000 | 53,399,000 | 54,440,000 |
| Interest-bearing deposits | 49,321,000 | 48,065,000 | 46,221,000 | 46,971,000 |
| Noninterest-bearing deposits | 7,330,000 | 6,871,000 | 7,178,000 | 7,469,000 |
| Equity capital | 5,922,000 | 5,990,000 | 6,039,000 | 5,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,742,000 | 2,584,000 | 3,429,000 |
| Interest expense | 162,000 | 321,000 | 470,000 | 604,000 |
| Net interest income | 719,000 | 1,421,000 | 2,114,000 | 2,825,000 |
| Noninterest income | 92,000 | 192,000 | 287,000 | 388,000 |
| Noninterest expense | 635,000 | 1,277,000 | 1,941,000 | 2,599,000 |
| Provision for loan losses | 47,000 | 171,000 | 281,000 | 426,000 |
| Pretax income | 129,000 | 165,000 | 179,000 | 188,000 |
| Income tax | 27,000 | 34,000 | 36,000 | -8,000 |
| Net income | 102,000 | 131,000 | 143,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,683,000 | 6,712,000 | 6,724,000 | 6,677,000 |
| Total capital | 7,211,000 | 7,241,000 | 7,240,000 | 7,195,000 |
| Risk-weighted assets | 42,450,000 | 42,149,000 | 41,927,000 | 41,347,000 |