Call reports 2006
OWEN COUNTY STATE BANK — 2006
What OWEN COUNTY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 170,500,000 | 168,667,000 | 165,667,000 | 170,855,000 |
| Total loans | 100,692,000 | 99,956,000 | 104,039,000 | 102,433,000 |
| Allowance for loan losses | 1,126,000 | 1,181,000 | 1,158,000 | 1,144,000 |
| Securities available for sale | 50,707,000 | 49,086,000 | 48,454,000 | 46,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,679,000 | 122,168,000 | 119,393,000 | 125,407,000 |
| Interest-bearing deposits | 110,676,000 | 109,115,000 | 107,858,000 | 112,859,000 |
| Noninterest-bearing deposits | 13,003,000 | 13,053,000 | 11,535,000 | 12,548,000 |
| Equity capital | 14,737,000 | 14,387,000 | 15,023,000 | 15,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,278,000 | 4,667,000 | 7,071,000 | 9,596,000 |
| Interest expense | 1,148,000 | 2,380,000 | 3,611,000 | 4,920,000 |
| Net interest income | 1,130,000 | 2,287,000 | 3,460,000 | 4,676,000 |
| Noninterest income | 304,000 | 662,000 | 1,015,000 | 1,392,000 |
| Noninterest expense | 1,136,000 | 2,288,000 | 3,437,000 | 4,627,000 |
| Provision for loan losses | 48,000 | 78,000 | 108,000 | 138,000 |
| Pretax income | 250,000 | 583,000 | 930,000 | 1,303,000 |
| Income tax | 38,000 | 105,000 | 181,000 | 267,000 |
| Net income | 212,000 | 478,000 | 749,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,393,000 | 15,252,000 | 15,523,000 | 15,403,000 |
| Total capital | 16,519,000 | 16,433,000 | 16,681,000 | 16,547,000 |
| Risk-weighted assets | 99,995,000 | 98,074,000 | 100,182,000 | 99,319,000 |