Call reports 2009
OWEN COUNTY STATE BANK — 2009
What OWEN COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 178,284,000 | 175,960,000 | 175,669,000 | 181,651,000 |
| Total loans | 111,633,000 | 113,452,000 | 116,271,000 | 117,581,000 |
| Allowance for loan losses | 1,218,000 | 1,270,000 | 1,306,000 | 1,324,000 |
| Securities available for sale | 41,716,000 | 38,574,000 | 37,201,000 | 34,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,178,000 | 132,310,000 | 131,898,000 | 139,103,000 |
| Interest-bearing deposits | 116,876,000 | 119,351,000 | 119,225,000 | 126,711,000 |
| Noninterest-bearing deposits | 12,302,000 | 12,959,000 | 12,673,000 | 12,392,000 |
| Equity capital | 16,210,000 | 15,934,000 | 16,457,000 | 16,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,299,000 | 4,598,000 | 6,877,000 | 9,152,000 |
| Interest expense | 814,000 | 1,610,000 | 2,359,000 | 3,087,000 |
| Net interest income | 1,485,000 | 2,988,000 | 4,518,000 | 6,065,000 |
| Noninterest income | 334,000 | 690,000 | 1,100,000 | 1,480,000 |
| Noninterest expense | 1,339,000 | 2,780,000 | 4,202,000 | 5,750,000 |
| Provision for loan losses | 53,000 | 105,000 | 193,000 | 305,000 |
| Pretax income | 427,000 | 794,000 | 1,224,000 | 1,491,000 |
| Income tax | 111,000 | 202,000 | 320,000 | 379,000 |
| Net income | 316,000 | 592,000 | 904,000 | 1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,486,000 | 15,370,000 | 15,682,000 | 15,561,000 |
| Total capital | 16,704,000 | 16,640,000 | 16,988,000 | 16,885,000 |
| Risk-weighted assets | 109,645,000 | 110,359,000 | 112,614,000 | 113,289,000 |