Call reports 2001
OWEN COUNTY STATE BANK — 2001
What OWEN COUNTY STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 174,550,000 | 186,123,000 | 185,424,000 | 191,922,000 |
| Total loans | 105,850,000 | 108,053,000 | 108,923,000 | 109,667,000 |
| Allowance for loan losses | 1,200,000 | 1,173,000 | 1,143,000 | 1,071,000 |
| Securities available for sale | 51,435,000 | 49,033,000 | 61,073,000 | 66,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,792,000 | 134,756,000 | 128,297,000 | 129,833,000 |
| Interest-bearing deposits | 117,443,000 | 124,751,000 | 119,130,000 | 118,641,000 |
| Noninterest-bearing deposits | 9,349,000 | 10,005,000 | 9,167,000 | 11,192,000 |
| Equity capital | 15,321,000 | 15,257,000 | 15,643,000 | 15,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,310,000 | 6,598,000 | 9,854,000 | 12,972,000 |
| Interest expense | 1,887,000 | 3,717,000 | 5,525,000 | 7,165,000 |
| Net interest income | 1,423,000 | 2,881,000 | 4,329,000 | 5,807,000 |
| Noninterest income | 225,000 | 494,000 | 706,000 | 968,000 |
| Noninterest expense | 1,095,000 | 2,198,000 | 3,289,000 | 4,435,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 230,000 |
| Pretax income | 508,000 | 1,064,000 | 1,583,000 | 2,087,000 |
| Income tax | 143,000 | 302,000 | 455,000 | 595,000 |
| Net income | 365,000 | 762,000 | 1,128,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,875,000 | 14,872,000 | 14,968,000 | 14,937,000 |
| Total capital | 16,075,000 | 16,045,000 | 16,111,000 | 16,008,000 |
| Risk-weighted assets | 104,386,000 | 106,973,000 | 107,359,000 | 108,008,000 |