Call reports 2014
OWINGSVILLE BANKING COMPANY — 2014
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 62,644,000 | 60,613,000 | 59,574,000 | 62,101,000 |
| Total loans | 39,788,000 | 39,237,000 | 39,898,000 | 40,297,000 |
| Allowance for loan losses | 575,000 | 570,000 | 558,000 | 559,000 |
| Securities available for sale | 15,252,000 | 15,354,000 | 14,564,000 | 14,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,520,000 | 51,481,000 | 50,529,000 | 53,201,000 |
| Interest-bearing deposits | 45,770,000 | 44,791,000 | 44,156,000 | 44,408,000 |
| Noninterest-bearing deposits | 7,750,000 | 6,690,000 | 6,373,000 | 8,793,000 |
| Equity capital | 5,962,000 | 5,953,000 | 5,966,000 | 5,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,506,000 | 2,285,000 | 3,049,000 |
| Interest expense | 120,000 | 204,000 | 290,000 | 361,000 |
| Net interest income | 660,000 | 1,302,000 | 1,995,000 | 2,688,000 |
| Noninterest income | 98,000 | 204,000 | 320,000 | 436,000 |
| Noninterest expense | 600,000 | 1,247,000 | 1,968,000 | 2,549,000 |
| Provision for loan losses | 108,000 | 217,000 | 272,000 | 438,000 |
| Pretax income | 50,000 | 42,000 | 75,000 | 137,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 50,000 | 42,000 | 75,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,787,000 | 6,781,000 | 6,811,000 | 6,717,000 |
| Total capital | 7,312,000 | 6,781,000 | 6,811,000 | 6,717,000 |
| Risk-weighted assets | 41,973,000 | 41,567,000 | 40,709,000 | 38,185,000 |