Call reports 2017
OWINGSVILLE BANKING COMPANY — 2017
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 67,413,000 | 65,745,000 | 65,767,000 | 66,113,000 |
| Total loans | 45,784,000 | 46,161,000 | 46,820,000 | 47,902,000 |
| Allowance for loan losses | 681,000 | 741,000 | 684,000 | 658,000 |
| Securities available for sale | 9,530,000 | 11,712,000 | 11,179,000 | 11,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,942,000 | 56,278,000 | 55,563,000 | 57,274,000 |
| Interest-bearing deposits | 48,601,000 | 47,095,000 | 45,727,000 | 48,641,000 |
| Noninterest-bearing deposits | 9,341,000 | 9,183,000 | 9,836,000 | 8,633,000 |
| Equity capital | 5,180,000 | 5,160,000 | 5,205,000 | 4,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,655,000 | 2,507,000 | 3,364,000 |
| Interest expense | 104,000 | 210,000 | 313,000 | 424,000 |
| Net interest income | 720,000 | 1,445,000 | 2,194,000 | 2,940,000 |
| Noninterest income | 86,000 | 173,000 | 261,000 | 357,000 |
| Noninterest expense | 627,000 | 1,277,000 | 1,958,000 | 2,583,000 |
| Provision for loan losses | 73,000 | 138,000 | 206,000 | 271,000 |
| Pretax income | 106,000 | 203,000 | 291,000 | 443,000 |
| Income tax | 24,000 | 47,000 | 70,000 | 476,000 |
| Net income | 82,000 | 156,000 | 221,000 | -33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,858,000 | 6,830,000 | 6,895,000 | 6,557,000 |
| Total capital | 7,382,000 | 7,370,000 | 7,436,000 | 7,088,000 |
| Risk-weighted assets | 41,871,000 | 43,016,000 | 43,032,000 | 43,368,000 |