Call reports 2016
OWEN COUNTY STATE BANK — 2016
What OWEN COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 194,182,000 | 195,307,000 | 191,767,000 | 200,643,000 |
| Total loans | 133,125,000 | 133,825,000 | 136,878,000 | 140,243,000 |
| Allowance for loan losses | 1,288,000 | 1,332,000 | 1,413,000 | 1,517,000 |
| Securities available for sale | 25,886,000 | 25,568,000 | 26,142,000 | 22,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,835,000 | 165,159,000 | 161,064,000 | 170,506,000 |
| Interest-bearing deposits | 136,851,000 | 138,732,000 | 135,563,000 | 142,049,000 |
| Noninterest-bearing deposits | 26,984,000 | 26,427,000 | 25,501,000 | 28,457,000 |
| Equity capital | 19,236,000 | 19,297,000 | 19,701,000 | 19,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,932,000 | 3,867,000 | 5,831,000 | 7,829,000 |
| Interest expense | 176,000 | 350,000 | 526,000 | 701,000 |
| Net interest income | 1,756,000 | 3,517,000 | 5,305,000 | 7,128,000 |
| Noninterest income | 337,000 | 725,000 | 1,206,000 | 1,648,000 |
| Noninterest expense | 1,530,000 | 3,079,000 | 4,634,000 | 6,285,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 488,000 | 1,019,000 | 1,658,000 | 2,200,000 |
| Income tax | 167,000 | 350,000 | 574,000 | 758,000 |
| Net income | 321,000 | 669,000 | 1,084,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,803,000 | 18,833,000 | 19,247,000 | 19,277,000 |
| Total capital | 20,091,000 | 20,165,000 | 20,660,000 | 20,794,000 |
| Risk-weighted assets | 122,951,000 | 123,045,000 | 126,799,000 | 129,296,000 |