Call reports 2021
OWINGSVILLE BANKING COMPANY — 2021
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 80,024,000 | 80,093,000 | 79,614,000 | 81,038,000 |
| Total loans | 51,286,000 | 53,036,000 | 54,700,000 | 56,209,000 |
| Allowance for loan losses | 780,000 | 813,000 | 834,000 | 879,000 |
| Securities available for sale | 16,850,000 | 17,675,000 | 17,166,000 | 15,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,084,000 | 69,996,000 | 69,526,000 | 71,398,000 |
| Interest-bearing deposits | 56,472,000 | 56,512,000 | 56,193,000 | 57,346,000 |
| Noninterest-bearing deposits | 13,612,000 | 13,484,000 | 13,333,000 | 14,052,000 |
| Equity capital | 4,700,000 | 4,920,000 | 5,094,000 | 5,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,958,000 | 2,929,000 | 3,884,000 |
| Interest expense | 193,000 | 390,000 | 580,000 | 778,000 |
| Net interest income | 767,000 | 1,568,000 | 2,349,000 | 3,106,000 |
| Noninterest income | 56,000 | 125,000 | 365,000 | 451,000 |
| Noninterest expense | 650,000 | 1,293,000 | 1,999,000 | 2,900,000 |
| Provision for loan losses | 36,000 | 72,000 | 114,000 | 169,000 |
| Pretax income | 137,000 | 328,000 | 601,000 | 488,000 |
| Income tax | 13,000 | 31,000 | 131,000 | 83,000 |
| Net income | 124,000 | 297,000 | 470,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,931,000 | 7,525,000 | 7,693,000 | 7,530,000 |