Call reports 2017
OWEN COUNTY STATE BANK — 2017
What OWEN COUNTY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 200,583,000 | 208,680,000 | 207,885,000 | 205,414,000 |
| Total loans | 142,076,000 | 145,876,000 | 157,927,000 | 155,850,000 |
| Allowance for loan losses | 1,538,000 | 1,688,000 | 1,731,000 | 1,766,000 |
| Securities available for sale | 21,816,000 | 22,821,000 | 21,415,000 | 20,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,628,000 | 172,099,000 | 167,703,000 | 167,723,000 |
| Interest-bearing deposits | 142,104,000 | 143,979,000 | 140,304,000 | 139,800,000 |
| Noninterest-bearing deposits | 27,524,000 | 28,120,000 | 27,399,000 | 27,923,000 |
| Equity capital | 19,849,000 | 20,000,000 | 20,486,000 | 20,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,992,000 | 4,104,000 | 6,365,000 | 8,650,000 |
| Interest expense | 184,000 | 419,000 | 680,000 | 958,000 |
| Net interest income | 1,808,000 | 3,685,000 | 5,685,000 | 7,692,000 |
| Noninterest income | 438,000 | 834,000 | 1,238,000 | 1,635,000 |
| Noninterest expense | 1,574,000 | 3,122,000 | 4,677,000 | 6,487,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 627,000 | 1,307,000 | 2,111,000 | 2,660,000 |
| Income tax | 217,000 | 456,000 | 742,000 | 986,000 |
| Net income | 410,000 | 851,000 | 1,369,000 | 1,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,687,000 | 19,760,000 | 20,277,000 | 20,191,000 |
| Total capital | 21,225,000 | 21,448,000 | 22,008,000 | 21,957,000 |
| Risk-weighted assets | 131,459,000 | 136,515,000 | 148,110,000 | 150,116,000 |