Call reports 2018
OWINGSVILLE BANKING COMPANY — 2018
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 66,463,000 | 67,302,000 | 69,687,000 | 69,972,000 |
| Total loans | 47,629,000 | 47,827,000 | 49,168,000 | 49,182,000 |
| Allowance for loan losses | 704,000 | 708,000 | 690,000 | 708,000 |
| Securities available for sale | 10,312,000 | 11,719,000 | 12,254,000 | 12,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,754,000 | 58,421,000 | 60,698,000 | 60,962,000 |
| Interest-bearing deposits | 48,563,000 | 49,498,000 | 51,247,000 | 52,690,000 |
| Noninterest-bearing deposits | 9,191,000 | 8,923,000 | 9,451,000 | 8,272,000 |
| Equity capital | 4,225,000 | 4,244,000 | 4,299,000 | 4,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,721,000 | 2,646,000 | 3,575,000 |
| Interest expense | 117,000 | 280,000 | 463,000 | 663,000 |
| Net interest income | 728,000 | 1,441,000 | 2,183,000 | 2,912,000 |
| Noninterest income | 80,000 | 163,000 | 250,000 | 341,000 |
| Noninterest expense | 639,000 | 1,302,000 | 1,977,000 | 2,602,000 |
| Provision for loan losses | 63,000 | 127,000 | 191,000 | 256,000 |
| Pretax income | 106,000 | 175,000 | 265,000 | 395,000 |
| Income tax | 23,000 | 45,000 | 44,000 | 56,000 |
| Net income | 83,000 | 130,000 | 221,000 | 339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,813,000 | 6,689,000 | 6,778,000 | 6,896,000 |
| Total capital | 7,346,000 | 7,221,000 | 7,334,000 | 7,442,000 |
| Risk-weighted assets | 42,484,000 | 42,511,000 | 44,382,000 | 44,369,000 |