Call reports 2011
OWEN COUNTY STATE BANK — 2011
What OWEN COUNTY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 182,871,000 | 187,664,000 | 186,282,000 | 184,281,000 |
| Total loans | 113,557,000 | 113,147,000 | 112,459,000 | 109,824,000 |
| Allowance for loan losses | 1,402,000 | 1,377,000 | 1,340,000 | 1,487,000 |
| Securities available for sale | 33,022,000 | 38,325,000 | 35,763,000 | 33,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,539,000 | 153,149,000 | 153,532,000 | 152,299,000 |
| Interest-bearing deposits | 135,295,000 | 138,796,000 | 139,410,000 | 139,222,000 |
| Noninterest-bearing deposits | 13,244,000 | 14,353,000 | 14,122,000 | 13,077,000 |
| Equity capital | 16,598,000 | 16,699,000 | 17,285,000 | 17,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,003,000 | 4,098,000 | 6,227,000 | 8,296,000 |
| Interest expense | 621,000 | 1,203,000 | 1,768,000 | 2,258,000 |
| Net interest income | 1,382,000 | 2,895,000 | 4,459,000 | 6,038,000 |
| Noninterest income | 340,000 | 675,000 | 1,132,000 | 1,598,000 |
| Noninterest expense | 1,403,000 | 2,839,000 | 4,174,000 | 5,562,000 |
| Provision for loan losses | 60,000 | 320,000 | 380,000 | 560,000 |
| Pretax income | 262,000 | 409,000 | 1,035,000 | 1,512,000 |
| Income tax | 70,000 | 99,000 | 316,000 | 477,000 |
| Net income | 192,000 | 310,000 | 719,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,024,000 | 15,925,000 | 16,334,000 | 16,400,000 |
| Total capital | 17,361,000 | 17,269,000 | 17,674,000 | 17,698,000 |
| Risk-weighted assets | 106,867,000 | 107,494,000 | 106,554,000 | 103,653,000 |