Call reports 2007
OWEN COUNTY STATE BANK — 2007
What OWEN COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 174,903,000 | 166,782,000 | 159,436,000 | 160,138,000 |
| Total loans | 105,489,000 | 105,321,000 | 105,562,000 | 106,470,000 |
| Allowance for loan losses | 1,189,000 | 1,163,000 | 1,154,000 | 1,107,000 |
| Securities available for sale | 44,502,000 | 42,090,000 | 39,720,000 | 36,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,933,000 | 131,307,000 | 124,322,000 | 125,910,000 |
| Interest-bearing deposits | 117,204,000 | 118,895,000 | 111,184,000 | 112,412,000 |
| Noninterest-bearing deposits | 11,729,000 | 12,412,000 | 13,138,000 | 13,498,000 |
| Equity capital | 15,370,000 | 15,127,000 | 15,399,000 | 15,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 5,008,000 | 7,449,000 | 9,868,000 |
| Interest expense | 1,215,000 | 2,507,000 | 3,686,000 | 4,785,000 |
| Net interest income | 1,239,000 | 2,501,000 | 3,763,000 | 5,083,000 |
| Noninterest income | 336,000 | 702,000 | 1,065,000 | 1,436,000 |
| Noninterest expense | 1,134,000 | 2,329,000 | 3,517,000 | 4,755,000 |
| Provision for loan losses | 35,000 | 65,000 | 95,000 | 125,000 |
| Pretax income | 406,000 | 809,000 | 1,216,000 | 1,639,000 |
| Income tax | 98,000 | 188,000 | 285,000 | 394,000 |
| Net income | 308,000 | 621,000 | 931,000 | 1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,712,000 | 15,618,000 | 15,647,000 | 15,415,000 |
| Total capital | 16,901,000 | 16,781,000 | 16,801,000 | 16,522,000 |
| Risk-weighted assets | 101,877,000 | 101,229,000 | 99,440,000 | 100,709,000 |