Call reports 2015
OWINGSVILLE BANKING COMPANY — 2015
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 61,606,000 | 61,296,000 | 59,931,000 | 61,689,000 |
| Total loans | 39,797,000 | 40,064,000 | 40,659,000 | 42,465,000 |
| Allowance for loan losses | 560,000 | 553,000 | 570,000 | 590,000 |
| Securities available for sale | 14,037,000 | 13,406,000 | 12,442,000 | 12,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,637,000 | 52,356,000 | 50,027,000 | 52,743,000 |
| Interest-bearing deposits | 44,590,000 | 43,519,000 | 42,714,000 | 44,114,000 |
| Noninterest-bearing deposits | 8,047,000 | 8,837,000 | 7,313,000 | 8,629,000 |
| Equity capital | 5,531,000 | 5,472,000 | 5,490,000 | 5,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,552,000 | 2,353,000 | 3,161,000 |
| Interest expense | 94,000 | 191,000 | 284,000 | 366,000 |
| Net interest income | 685,000 | 1,361,000 | 2,069,000 | 2,795,000 |
| Noninterest income | 94,000 | 228,000 | 329,000 | 409,000 |
| Noninterest expense | 652,000 | 1,322,000 | 2,016,000 | 2,635,000 |
| Provision for loan losses | 108,000 | 216,000 | 328,000 | 396,000 |
| Pretax income | 19,000 | 51,000 | 61,000 | 180,000 |
| Income tax | 0 | 1,000 | 0 | 6,000 |
| Net income | 19,000 | 50,000 | 61,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,618,000 | 6,741,000 | 6,753,000 | 6,791,000 |
| Total capital | 7,121,000 | 7,223,000 | 7,229,000 | 7,287,000 |
| Risk-weighted assets | 40,189,000 | 38,574,000 | 38,083,000 | 39,589,000 |