Call reports 2024
OWINGSVILLE BANKING COMPANY — 2024
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 92,602,000 | 93,754,000 | 94,076,000 | 93,645,000 |
| Total loans | 64,851,000 | 67,109,000 | 68,977,000 | 72,044,000 |
| Allowance for loan losses | 877,000 | 883,000 | 883,000 | 881,000 |
| Securities available for sale | 14,799,000 | 14,691,000 | 14,075,000 | 12,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,869,000 | 84,812,000 | 84,668,000 | 83,623,000 |
| Interest-bearing deposits | 66,958,000 | 64,803,000 | 66,892,000 | 67,187,000 |
| Noninterest-bearing deposits | 16,911,000 | 20,009,000 | 17,776,000 | 16,436,000 |
| Equity capital | 5,922,000 | 6,088,000 | 6,622,000 | 7,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,393,000 | 2,830,000 | 4,300,000 | 5,796,000 |
| Interest expense | 452,000 | 928,000 | 1,438,000 | 1,930,000 |
| Net interest income | 941,000 | 1,902,000 | 2,862,000 | 3,866,000 |
| Noninterest income | 70,000 | 149,000 | 228,000 | 306,000 |
| Noninterest expense | 787,000 | 1,488,000 | 2,261,000 | 3,092,000 |
| Provision for loan losses | 5,000 | 11,000 | 16,000 | 22,000 |
| Pretax income | 219,000 | 552,000 | 813,000 | 1,056,000 |
| Income tax | 29,000 | 119,000 | 184,000 | 255,000 |
| Net income | 190,000 | 433,000 | 629,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,360,000 | 8,603,000 | 8,814,000 | 8,971,000 |