Call reports 2008
OWEN COUNTY STATE BANK — 2008
What OWEN COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 173,500,000 | 166,709,000 | 175,462,000 | 176,832,000 |
| Total loans | 103,011,000 | 102,397,000 | 108,734,000 | 110,154,000 |
| Allowance for loan losses | 1,132,000 | 1,173,000 | 1,178,000 | 1,165,000 |
| Securities available for sale | 50,350,000 | 45,619,000 | 45,235,000 | 43,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,221,000 | 122,543,000 | 126,237,000 | 128,653,000 |
| Interest-bearing deposits | 109,672,000 | 109,410,000 | 114,150,000 | 116,535,000 |
| Noninterest-bearing deposits | 13,549,000 | 13,133,000 | 12,087,000 | 12,118,000 |
| Equity capital | 16,092,000 | 15,368,000 | 15,860,000 | 15,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,349,000 | 4,732,000 | 7,103,000 | 9,494,000 |
| Interest expense | 1,043,000 | 1,990,000 | 2,865,000 | 3,737,000 |
| Net interest income | 1,306,000 | 2,742,000 | 4,238,000 | 5,757,000 |
| Noninterest income | 330,000 | 680,000 | 1,032,000 | 1,402,000 |
| Noninterest expense | 1,258,000 | 2,599,000 | 4,008,000 | 5,425,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 333,000 | 733,000 | 1,127,000 | 1,554,000 |
| Income tax | 71,000 | 169,000 | 266,000 | 376,000 |
| Net income | 262,000 | 564,000 | 861,000 | 1,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,619,000 | 15,447,000 | 15,695,000 | 15,170,000 |
| Total capital | 16,751,000 | 16,620,000 | 16,873,000 | 16,335,000 |
| Risk-weighted assets | 101,092,000 | 99,663,000 | 107,474,000 | 107,935,000 |