Call reports 2003
OWEN COUNTY STATE BANK — 2003
What OWEN COUNTY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 170,659,000 | 171,504,000 | 166,653,000 | 180,238,000 |
| Total loans | 105,118,000 | 105,223,000 | 103,546,000 | 101,070,000 |
| Allowance for loan losses | 1,197,000 | 1,253,000 | 1,249,000 | 1,245,000 |
| Securities available for sale | 47,981,000 | 51,633,000 | 51,667,000 | 65,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,108,000 | 116,683,000 | 112,852,000 | 122,272,000 |
| Interest-bearing deposits | 104,827,000 | 104,291,000 | 99,815,000 | 109,398,000 |
| Noninterest-bearing deposits | 11,280,000 | 12,392,000 | 13,037,000 | 12,874,000 |
| Equity capital | 15,835,000 | 15,923,000 | 15,910,000 | 15,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,541,000 | 5,032,000 | 7,467,000 | 9,846,000 |
| Interest expense | 1,046,000 | 2,057,000 | 3,022,000 | 3,989,000 |
| Net interest income | 1,495,000 | 2,975,000 | 4,445,000 | 5,857,000 |
| Noninterest income | 229,000 | 527,000 | 820,000 | 1,092,000 |
| Noninterest expense | 1,217,000 | 2,424,000 | 3,642,000 | 4,764,000 |
| Provision for loan losses | 75,000 | 150,000 | 210,000 | 228,000 |
| Pretax income | 541,000 | 1,116,000 | 1,601,000 | 2,160,000 |
| Income tax | 154,000 | 315,000 | 452,000 | 615,000 |
| Net income | 387,000 | 801,000 | 1,149,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,253,000 | 15,248,000 | 15,596,000 | 15,319,000 |
| Total capital | 16,450,000 | 16,501,000 | 16,845,000 | 16,564,000 |
| Risk-weighted assets | 100,997,000 | 102,152,000 | 101,027,000 | 101,461,000 |