Call reports 2025
OWINGSVILLE BANKING COMPANY — 2025
What OWINGSVILLE BANKING COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 98,461,000 | 99,871,000 | 99,526,000 | 101,337,000 |
| Total loans | 73,940,000 | 74,456,000 | 75,240,000 | 76,065,000 |
| Allowance for loan losses | 882,000 | 884,000 | 879,000 | 841,000 |
| Securities available for sale | 12,174,000 | 12,281,000 | 12,822,000 | 13,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,845,000 | 89,051,000 | 86,996,000 | 88,225,000 |
| Interest-bearing deposits | 69,397,000 | 70,200,000 | 68,202,000 | 69,505,000 |
| Noninterest-bearing deposits | 18,448,000 | 18,851,000 | 18,794,000 | 18,720,000 |
| Equity capital | 7,831,000 | 8,099,000 | 8,581,000 | 9,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,498,000 | 3,048,000 | 4,637,000 | 6,219,000 |
| Interest expense | 526,000 | 1,064,000 | 1,600,000 | 2,123,000 |
| Net interest income | 972,000 | 1,984,000 | 3,037,000 | 4,096,000 |
| Noninterest income | 77,000 | 159,000 | 242,000 | 317,000 |
| Noninterest expense | 733,000 | 1,510,000 | 2,317,000 | 3,163,000 |
| Provision for loan losses | 7,000 | 12,000 | 14,000 | 25,000 |
| Pretax income | 309,000 | 621,000 | 948,000 | 1,225,000 |
| Income tax | 46,000 | 170,000 | 228,000 | 298,000 |
| Net income | 263,000 | 451,000 | 720,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,233,000 | 9,422,000 | 9,691,000 | 10,172,000 |