Call reports 2012
OWEN COUNTY STATE BANK — 2012
What OWEN COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 183,776,000 | 183,308,000 | 181,794,000 | 182,170,000 |
| Total loans | 107,263,000 | 105,386,000 | 105,146,000 | 106,249,000 |
| Allowance for loan losses | 1,540,000 | 1,604,000 | 1,613,000 | 1,434,000 |
| Securities available for sale | 38,063,000 | 43,791,000 | 45,792,000 | 41,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,072,000 | 154,800,000 | 152,674,000 | 153,281,000 |
| Interest-bearing deposits | 141,100,000 | 140,011,000 | 138,745,000 | 138,722,000 |
| Noninterest-bearing deposits | 13,972,000 | 14,789,000 | 13,929,000 | 14,559,000 |
| Equity capital | 17,454,000 | 17,442,000 | 17,900,000 | 17,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,969,000 | 3,942,000 | 5,872,000 | 7,750,000 |
| Interest expense | 449,000 | 857,000 | 1,258,000 | 1,647,000 |
| Net interest income | 1,520,000 | 3,085,000 | 4,614,000 | 6,103,000 |
| Noninterest income | 355,000 | 727,000 | 1,075,000 | 1,442,000 |
| Noninterest expense | 1,454,000 | 2,897,000 | 4,315,000 | 5,736,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 361,000 | 795,000 | 1,254,000 | 1,689,000 |
| Income tax | 118,000 | 266,000 | 422,000 | 572,000 |
| Net income | 243,000 | 529,000 | 832,000 | 1,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,643,000 | 16,555,000 | 16,858,000 | 16,916,000 |
| Total capital | 17,936,000 | 17,837,000 | 18,127,000 | 18,213,000 |
| Risk-weighted assets | 102,407,000 | 102,210,000 | 102,591,000 | 102,855,000 |