Call reports 2005
OWEN COUNTY STATE BANK — 2005
What OWEN COUNTY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 170,417,000 | 172,736,000 | 170,689,000 | 166,182,000 |
| Total loans | 98,254,000 | 99,769,000 | 100,527,000 | 98,611,000 |
| Allowance for loan losses | 1,086,000 | 1,059,000 | 1,077,000 | 1,090,000 |
| Securities available for sale | 58,439,000 | 56,981,000 | 54,790,000 | 52,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,433,000 | 123,672,000 | 122,493,000 | 119,529,000 |
| Interest-bearing deposits | 108,835,000 | 110,437,000 | 109,401,000 | 105,155,000 |
| Noninterest-bearing deposits | 12,598,000 | 13,235,000 | 13,092,000 | 14,374,000 |
| Equity capital | 14,933,000 | 14,984,000 | 15,099,000 | 14,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,198,000 | 4,491,000 | 6,825,000 | 9,155,000 |
| Interest expense | 988,000 | 2,040,000 | 3,148,000 | 4,297,000 |
| Net interest income | 1,210,000 | 2,451,000 | 3,677,000 | 4,858,000 |
| Noninterest income | 248,000 | 511,000 | 774,000 | 1,117,000 |
| Noninterest expense | 1,154,000 | 2,303,000 | 3,476,000 | 4,674,000 |
| Provision for loan losses | 38,000 | 75,000 | 121,000 | 173,000 |
| Pretax income | 225,000 | 543,000 | 813,000 | 1,086,000 |
| Income tax | 28,000 | 90,000 | 137,000 | 187,000 |
| Net income | 197,000 | 453,000 | 676,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,292,000 | 15,141,000 | 15,364,000 | 15,181,000 |
| Total capital | 16,378,000 | 16,200,000 | 16,441,000 | 16,271,000 |
| Risk-weighted assets | 97,464,000 | 98,478,000 | 99,257,000 | 96,533,000 |