Call reports 2020
OWINGSVILLE BANKING COMPANY — 2020
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 70,452,000 | 73,439,000 | 73,428,000 | 76,478,000 |
| Total loans | 48,505,000 | 49,396,000 | 49,507,000 | 50,278,000 |
| Allowance for loan losses | 738,000 | 771,000 | 787,000 | 746,000 |
| Securities available for sale | 13,142,000 | 14,551,000 | 15,886,000 | 16,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,783,000 | 63,990,000 | 63,986,000 | 66,509,000 |
| Interest-bearing deposits | 52,713,000 | 52,735,000 | 53,466,000 | 55,232,000 |
| Noninterest-bearing deposits | 9,070,000 | 11,255,000 | 10,520,000 | 11,277,000 |
| Equity capital | 4,458,000 | 5,147,000 | 5,237,000 | 4,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,881,000 | 2,808,000 | 3,740,000 |
| Interest expense | 225,000 | 436,000 | 648,000 | 859,000 |
| Net interest income | 717,000 | 1,445,000 | 2,160,000 | 2,881,000 |
| Noninterest income | 78,000 | 145,000 | 216,000 | 283,000 |
| Noninterest expense | 662,000 | 1,318,000 | 1,984,000 | 2,494,000 |
| Provision for loan losses | 46,000 | 91,000 | 134,000 | 134,000 |
| Pretax income | 87,000 | 181,000 | 258,000 | 548,000 |
| Income tax | 17,000 | 35,000 | 48,000 | 82,000 |
| Net income | 70,000 | 146,000 | 210,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,084,000 | 7,159,000 | 7,223,000 | 7,229,000 |