Call reports 2013
OWINGSVILLE BANKING COMPANY — 2013
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 65,607,000 | 63,393,000 | 62,538,000 | 63,148,000 |
| Total loans | 41,033,000 | 41,042,000 | 40,654,000 | 39,739,000 |
| Allowance for loan losses | 689,000 | 746,000 | 683,000 | 606,000 |
| Securities available for sale | 16,122,000 | 16,180,000 | 16,151,000 | 14,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,821,000 | 53,866,000 | 53,077,000 | 54,271,000 |
| Interest-bearing deposits | 47,942,000 | 46,130,000 | 45,563,000 | 47,130,000 |
| Noninterest-bearing deposits | 7,879,000 | 7,736,000 | 7,514,000 | 7,141,000 |
| Equity capital | 5,382,000 | 5,246,000 | 5,264,000 | 5,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,616,000 | 2,415,000 | 3,205,000 |
| Interest expense | 93,000 | 193,000 | 297,000 | 413,000 |
| Net interest income | 719,000 | 1,423,000 | 2,118,000 | 2,792,000 |
| Noninterest income | 89,000 | 204,000 | 295,000 | 402,000 |
| Noninterest expense | 677,000 | 1,331,000 | 1,980,000 | 2,575,000 |
| Provision for loan losses | 148,000 | 267,000 | 377,000 | 487,000 |
| Pretax income | -17,000 | 29,000 | 56,000 | 132,000 |
| Income tax | 0 | 0 | 0 | -23,000 |
| Net income | -17,000 | 29,000 | 56,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,660,000 | 6,552,000 | 6,722,000 | 6,686,000 |
| Total capital | 7,133,000 | 7,057,000 | 7,234,000 | 7,142,000 |
| Risk-weighted assets | 40,684,000 | 40,493,000 | 41,187,000 | 39,425,000 |