Call reports 2014
OWEN COUNTY STATE BANK — 2014
What OWEN COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 169,021,000 | 171,061,000 | 170,647,000 | 181,003,000 |
| Total loans | 97,082,000 | 104,440,000 | 109,150,000 | 116,432,000 |
| Allowance for loan losses | 1,050,000 | 983,000 | 1,010,000 | 1,029,000 |
| Securities available for sale | 35,941,000 | 31,459,000 | 31,582,000 | 30,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,339,000 | 147,221,000 | 146,361,000 | 151,705,000 |
| Interest-bearing deposits | 134,463,000 | 131,115,000 | 129,868,000 | 131,223,000 |
| Noninterest-bearing deposits | 15,876,000 | 16,106,000 | 16,493,000 | 20,482,000 |
| Equity capital | 17,817,000 | 17,948,000 | 18,223,000 | 18,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,624,000 | 3,290,000 | 5,099,000 | 6,873,000 |
| Interest expense | 193,000 | 376,000 | 562,000 | 743,000 |
| Net interest income | 1,431,000 | 2,914,000 | 4,537,000 | 6,130,000 |
| Noninterest income | 322,000 | 717,000 | 1,099,000 | 1,481,000 |
| Noninterest expense | 1,562,000 | 3,067,000 | 4,578,000 | 6,079,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 194,000 | 586,000 | 1,050,000 | 1,494,000 |
| Income tax | 55,000 | 189,000 | 350,000 | 503,000 |
| Net income | 139,000 | 397,000 | 700,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,556,000 | 17,582,000 | 17,885,000 | 17,931,000 |
| Total capital | 18,606,000 | 18,565,000 | 18,895,000 | 18,960,000 |
| Risk-weighted assets | 95,777,000 | 100,747,000 | 103,283,000 | 109,672,000 |