Call reports 2015
OWEN COUNTY STATE BANK — 2015
What OWEN COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 181,293,000 | 188,845,000 | 188,217,000 | 195,557,000 |
| Total loans | 118,907,000 | 123,873,000 | 129,500,000 | 129,026,000 |
| Allowance for loan losses | 1,099,000 | 1,133,000 | 1,178,000 | 1,206,000 |
| Securities available for sale | 29,878,000 | 26,573,000 | 24,819,000 | 23,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,549,000 | 159,429,000 | 158,249,000 | 165,849,000 |
| Interest-bearing deposits | 129,308,000 | 134,063,000 | 130,833,000 | 140,670,000 |
| Noninterest-bearing deposits | 22,241,000 | 25,366,000 | 27,416,000 | 25,179,000 |
| Equity capital | 18,680,000 | 18,530,000 | 18,987,000 | 18,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,809,000 | 3,663,000 | 5,634,000 | 7,614,000 |
| Interest expense | 190,000 | 375,000 | 552,000 | 728,000 |
| Net interest income | 1,619,000 | 3,288,000 | 5,082,000 | 6,886,000 |
| Noninterest income | 270,000 | 607,000 | 1,018,000 | 1,358,000 |
| Noninterest expense | 1,472,000 | 2,955,000 | 4,515,000 | 6,273,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 260,000 |
| Pretax income | 364,000 | 828,000 | 1,413,000 | 1,719,000 |
| Income tax | 121,000 | 279,000 | 484,000 | 581,000 |
| Net income | 243,000 | 549,000 | 929,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,174,000 | 18,200,000 | 18,580,000 | 18,482,000 |
| Total capital | 19,273,000 | 19,333,000 | 19,758,000 | 19,688,000 |
| Risk-weighted assets | 110,982,000 | 112,917,000 | 120,420,000 | 119,826,000 |