Call reports 2016
OWINGSVILLE BANKING COMPANY — 2016
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 62,923,000 | 61,964,000 | 65,073,000 | 66,858,000 |
| Total loans | 43,906,000 | 44,914,000 | 45,341,000 | 46,049,000 |
| Allowance for loan losses | 622,000 | 653,000 | 684,000 | 645,000 |
| Securities available for sale | 10,657,000 | 10,626,000 | 9,588,000 | 10,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,865,000 | 51,916,000 | 55,348,000 | 57,449,000 |
| Interest-bearing deposits | 44,873,000 | 44,278,000 | 46,282,000 | 49,178,000 |
| Noninterest-bearing deposits | 7,992,000 | 7,638,000 | 9,066,000 | 8,271,000 |
| Equity capital | 5,368,000 | 5,379,000 | 5,437,000 | 5,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,636,000 | 2,471,000 | 3,301,000 |
| Interest expense | 93,000 | 187,000 | 289,000 | 390,000 |
| Net interest income | 719,000 | 1,449,000 | 2,182,000 | 2,911,000 |
| Noninterest income | 75,000 | 173,000 | 270,000 | 350,000 |
| Noninterest expense | 662,000 | 1,312,000 | 1,974,000 | 2,549,000 |
| Provision for loan losses | 73,000 | 146,000 | 219,000 | 293,000 |
| Pretax income | 59,000 | 168,000 | 259,000 | 424,000 |
| Income tax | 0 | 0 | 8,000 | 91,000 |
| Net income | 59,000 | 168,000 | 251,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,799,000 | 6,810,000 | 6,892,000 | 6,775,000 |
| Total capital | 7,298,000 | 7,309,000 | 7,404,000 | 7,308,000 |
| Risk-weighted assets | 39,837,000 | 39,874,000 | 40,811,000 | 42,438,000 |