Call reports 2013
OWEN COUNTY STATE BANK — 2013
What OWEN COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 173,921,000 | 174,921,000 | 166,337,000 | 168,939,000 |
| Total loans | 105,182,000 | 101,962,000 | 102,528,000 | 99,872,000 |
| Allowance for loan losses | 1,429,000 | 1,416,000 | 1,169,000 | 1,046,000 |
| Securities available for sale | 37,961,000 | 34,557,000 | 33,860,000 | 32,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,415,000 | 149,117,000 | 147,822,000 | 150,466,000 |
| Interest-bearing deposits | 132,507,000 | 134,315,000 | 132,242,000 | 135,101,000 |
| Noninterest-bearing deposits | 14,908,000 | 14,802,000 | 15,580,000 | 15,365,000 |
| Equity capital | 17,923,000 | 17,455,000 | 17,715,000 | 17,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 3,551,000 | 5,269,000 | 6,939,000 |
| Interest expense | 340,000 | 639,000 | 897,000 | 1,109,000 |
| Net interest income | 1,464,000 | 2,912,000 | 4,372,000 | 5,830,000 |
| Noninterest income | 349,000 | 696,000 | 1,062,000 | 1,447,000 |
| Noninterest expense | 1,482,000 | 2,939,000 | 4,603,000 | 6,086,000 |
| Provision for loan losses | 0 | 0 | -270,000 | -270,000 |
| Pretax income | 337,000 | 675,000 | 1,107,000 | 1,467,000 |
| Income tax | 113,000 | 228,000 | 379,000 | 500,000 |
| Net income | 224,000 | 447,000 | 728,000 | 967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,140,000 | 17,131,000 | 17,411,000 | 17,418,000 |
| Total capital | 18,417,000 | 18,364,000 | 18,580,000 | 18,464,000 |
| Risk-weighted assets | 101,247,000 | 97,722,000 | 99,015,000 | 97,165,000 |