Call reports 2004
OWEN COUNTY STATE BANK — 2004
What OWEN COUNTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 175,304,000 | 179,427,000 | 174,088,000 | 172,521,000 |
| Total loans | 98,603,000 | 100,278,000 | 98,611,000 | 97,424,000 |
| Allowance for loan losses | 1,153,000 | 1,246,000 | 1,185,000 | 1,072,000 |
| Securities available for sale | 62,045,000 | 67,255,000 | 61,918,000 | 64,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,372,000 | 126,905,000 | 123,544,000 | 122,503,000 |
| Interest-bearing deposits | 109,388,000 | 113,257,000 | 109,725,000 | 109,350,000 |
| Noninterest-bearing deposits | 12,984,000 | 13,648,000 | 13,819,000 | 13,153,000 |
| Equity capital | 16,220,000 | 15,170,000 | 15,509,000 | 15,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 4,609,000 | 6,920,000 | 9,196,000 |
| Interest expense | 944,000 | 1,883,000 | 2,842,000 | 3,826,000 |
| Net interest income | 1,356,000 | 2,726,000 | 4,078,000 | 5,370,000 |
| Noninterest income | 267,000 | 957,000 | 1,227,000 | 1,514,000 |
| Noninterest expense | 1,216,000 | 2,347,000 | 3,540,000 | 4,746,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 383,000 | 1,311,000 | 1,726,000 | 2,099,000 |
| Income tax | 104,000 | 398,000 | 495,000 | 574,000 |
| Net income | 279,000 | 913,000 | 1,231,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,597,000 | 15,764,000 | 15,206,000 | 15,095,000 |
| Total capital | 16,750,000 | 17,010,000 | 16,391,000 | 16,167,000 |
| Risk-weighted assets | 98,936,000 | 100,679,000 | 97,635,000 | 97,081,000 |