Call reports 2019
OWINGSVILLE BANKING COMPANY — 2019
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 72,255,000 | 70,616,000 | 69,770,000 | 70,083,000 |
| Total loans | 47,517,000 | 48,083,000 | 48,290,000 | 47,967,000 |
| Allowance for loan losses | 726,000 | 736,000 | 744,000 | 708,000 |
| Securities available for sale | 12,042,000 | 12,785,000 | 13,710,000 | 14,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,178,000 | 61,337,000 | 60,296,000 | 60,970,000 |
| Interest-bearing deposits | 54,153,000 | 52,277,000 | 51,154,000 | 52,237,000 |
| Noninterest-bearing deposits | 9,025,000 | 9,060,000 | 9,142,000 | 8,733,000 |
| Equity capital | 4,617,000 | 4,787,000 | 4,892,000 | 4,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 923,000 | 1,862,000 | 2,806,000 | 3,744,000 |
| Interest expense | 217,000 | 447,000 | 679,000 | 895,000 |
| Net interest income | 706,000 | 1,415,000 | 2,127,000 | 2,849,000 |
| Noninterest income | 80,000 | 168,000 | 251,000 | 329,000 |
| Noninterest expense | 657,000 | 1,322,000 | 1,974,000 | 2,606,000 |
| Provision for loan losses | 53,000 | 115,000 | 172,000 | 200,000 |
| Pretax income | 76,000 | 146,000 | 232,000 | 372,000 |
| Income tax | 20,000 | 36,000 | 50,000 | 54,000 |
| Net income | 56,000 | 110,000 | 182,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,952,000 | 7,006,000 | 7,078,000 | 6,975,000 |
| Total capital | 7,505,000 | 7,554,000 | 7,635,000 | 7,545,000 |
| Risk-weighted assets | 44,036,000 | 43,698,000 | 44,393,000 | 45,611,000 |