Call reports 2023
OWINGSVILLE BANKING COMPANY — 2023
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 85,116,000 | 89,150,000 | 86,861,000 | 90,858,000 |
| Total loans | 61,762,000 | 63,106,000 | 63,536,000 | 65,130,000 |
| Allowance for loan losses | 937,000 | 935,000 | 909,000 | 889,000 |
| Securities available for sale | 13,887,000 | 13,141,000 | 12,750,000 | 14,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,699,000 | 81,083,000 | 78,774,000 | 82,431,000 |
| Interest-bearing deposits | 61,183,000 | 63,713,000 | 61,890,000 | 66,141,000 |
| Noninterest-bearing deposits | 15,516,000 | 17,370,000 | 16,884,000 | 16,290,000 |
| Equity capital | 4,976,000 | 5,316,000 | 5,222,000 | 5,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,248,000 | 3,507,000 | 4,841,000 |
| Interest expense | 238,000 | 543,000 | 888,000 | 1,209,000 |
| Net interest income | 811,000 | 1,705,000 | 2,619,000 | 3,632,000 |
| Noninterest income | 64,000 | 72,000 | 141,000 | 204,000 |
| Noninterest expense | 705,000 | 1,469,000 | 2,263,000 | 3,150,000 |
| Provision for loan losses | 23,000 | 23,000 | 21,000 | 23,000 |
| Pretax income | 147,000 | 285,000 | 476,000 | 663,000 |
| Income tax | 17,000 | 48,000 | 53,000 | 104,000 |
| Net income | 130,000 | 237,000 | 423,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,976,000 | 8,065,000 | 8,255,000 | 7,977,000 |