Call reports 2010
OWEN COUNTY STATE BANK — 2010
What OWEN COUNTY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 179,694,000 | 186,350,000 | 179,205,000 | 184,544,000 |
| Total loans | 116,396,000 | 116,165,000 | 116,858,000 | 115,055,000 |
| Allowance for loan losses | 1,387,000 | 1,510,000 | 1,548,000 | 1,349,000 |
| Securities available for sale | 35,072,000 | 33,836,000 | 31,220,000 | 33,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,848,000 | 143,777,000 | 141,942,000 | 147,805,000 |
| Interest-bearing deposits | 124,823,000 | 131,155,000 | 130,389,000 | 135,109,000 |
| Noninterest-bearing deposits | 12,025,000 | 12,622,000 | 11,553,000 | 12,696,000 |
| Equity capital | 16,499,000 | 16,374,000 | 16,556,000 | 16,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,191,000 | 4,370,000 | 6,584,000 | 8,710,000 |
| Interest expense | 714,000 | 1,446,000 | 2,168,000 | 2,842,000 |
| Net interest income | 1,477,000 | 2,924,000 | 4,416,000 | 5,868,000 |
| Noninterest income | 290,000 | 619,000 | 974,000 | 1,319,000 |
| Noninterest expense | 1,412,000 | 2,881,000 | 4,355,000 | 5,761,000 |
| Provision for loan losses | 60,000 | 395,000 | 455,000 | 515,000 |
| Pretax income | 295,000 | 267,000 | 580,000 | 911,000 |
| Income tax | 74,000 | 25,000 | 110,000 | 205,000 |
| Net income | 221,000 | 242,000 | 470,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,782,000 | 15,586,000 | 15,814,000 | 15,832,000 |
| Total capital | 17,169,000 | 16,998,000 | 17,225,000 | 17,181,000 |
| Risk-weighted assets | 111,736,000 | 112,916,000 | 111,997,000 | 110,930,000 |
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