Call reports 2018
OWEN COUNTY STATE BANK — 2018
What OWEN COUNTY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 213,239,000 | 215,841,000 | 211,070,000 | 221,865,000 |
| Total loans | 154,643,000 | 155,307,000 | 154,856,000 | 164,226,000 |
| Allowance for loan losses | 1,793,000 | 1,815,000 | 1,824,000 | 1,829,000 |
| Securities available for sale | 21,849,000 | 22,479,000 | 23,666,000 | 23,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,003,000 | 183,501,000 | 178,185,000 | 185,073,000 |
| Interest-bearing deposits | 144,663,000 | 152,032,000 | 147,364,000 | 154,318,000 |
| Noninterest-bearing deposits | 30,340,000 | 31,469,000 | 30,821,000 | 30,755,000 |
| Equity capital | 20,494,000 | 20,548,000 | 20,965,000 | 21,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,232,000 | 4,771,000 | 7,163,000 | 9,606,000 |
| Interest expense | 290,000 | 694,000 | 1,038,000 | 1,428,000 |
| Net interest income | 1,942,000 | 4,077,000 | 6,125,000 | 8,178,000 |
| Noninterest income | 423,000 | 833,000 | 1,267,000 | 1,691,000 |
| Noninterest expense | 1,807,000 | 3,649,000 | 5,411,000 | 7,388,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 90,000 |
| Pretax income | 528,000 | 1,201,000 | 1,906,000 | 2,385,000 |
| Income tax | 123,000 | 286,000 | 458,000 | 571,000 |
| Net income | 405,000 | 915,000 | 1,448,000 | 1,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,575,000 | 20,672,000 | 21,205,000 | 21,160,000 |
| Total capital | 22,368,000 | 22,487,000 | 23,029,000 | 22,989,000 |
| Risk-weighted assets | 148,314,000 | 148,757,000 | 147,349,000 | 153,602,000 |