Call reports 2002
OWEN COUNTY STATE BANK — 2002
What OWEN COUNTY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 185,509,000 | 190,933,000 | 185,781,000 | 178,425,000 |
| Total loans | 107,928,000 | 110,154,000 | 109,175,000 | 106,968,000 |
| Allowance for loan losses | 1,111,000 | 1,137,000 | 1,144,000 | 1,149,000 |
| Securities available for sale | 53,216,000 | 63,756,000 | 60,839,000 | 57,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,502,000 | 129,850,000 | 122,871,000 | 124,097,000 |
| Interest-bearing deposits | 113,709,000 | 119,046,000 | 111,518,000 | 112,902,000 |
| Noninterest-bearing deposits | 9,793,000 | 10,804,000 | 11,353,000 | 11,195,000 |
| Equity capital | 15,629,000 | 15,737,000 | 16,354,000 | 15,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,839,000 | 5,808,000 | 8,807,000 | 11,614,000 |
| Interest expense | 1,398,000 | 2,794,000 | 4,144,000 | 5,395,000 |
| Net interest income | 1,441,000 | 3,014,000 | 4,663,000 | 6,219,000 |
| Noninterest income | 195,000 | 417,000 | 644,000 | 842,000 |
| Noninterest expense | 1,112,000 | 2,270,000 | 3,474,000 | 5,691,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 463,000 | 1,093,000 | 1,843,000 | 1,351,000 |
| Income tax | 137,000 | 331,000 | 560,000 | 314,000 |
| Net income | 326,000 | 762,000 | 1,283,000 | 1,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,263,000 | 15,001,000 | 15,522,000 | 14,865,000 |
| Total capital | 16,374,000 | 16,138,000 | 16,666,000 | 16,014,000 |
| Risk-weighted assets | 104,419,000 | 106,458,000 | 105,917,000 | 103,294,000 |