Call reports 2022
OWINGSVILLE BANKING COMPANY — 2022
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 82,340,000 | 80,217,000 | 79,983,000 | 82,442,000 |
| Total loans | 56,288,000 | 57,442,000 | 58,809,000 | 60,015,000 |
| Allowance for loan losses | 898,000 | 917,000 | 944,000 | 922,000 |
| Securities available for sale | 15,069,000 | 14,979,000 | 13,528,000 | 13,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,723,000 | 72,001,000 | 69,755,000 | 74,337,000 |
| Interest-bearing deposits | 59,417,000 | 57,373,000 | 55,155,000 | 59,680,000 |
| Noninterest-bearing deposits | 14,306,000 | 14,628,000 | 14,600,000 | 14,657,000 |
| Equity capital | 4,910,000 | 4,606,000 | 4,435,000 | 4,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,866,000 | 2,841,000 | 3,842,000 |
| Interest expense | 184,000 | 362,000 | 542,000 | 773,000 |
| Net interest income | 740,000 | 1,504,000 | 2,299,000 | 3,069,000 |
| Noninterest income | 67,000 | 149,000 | 224,000 | 396,000 |
| Noninterest expense | 655,000 | 1,304,000 | 1,965,000 | 2,658,000 |
| Provision for loan losses | 35,000 | 70,000 | 105,000 | 140,000 |
| Pretax income | 117,000 | 279,000 | 453,000 | 667,000 |
| Income tax | 21,000 | 52,000 | 75,000 | 109,000 |
| Net income | 96,000 | 227,000 | 378,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,626,000 | 7,714,000 | 7,866,000 | 7,846,000 |