Call reports 2019
OWEN COUNTY STATE BANK — 2019
What OWEN COUNTY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 230,818,000 | 235,856,000 | 235,290,000 | 232,449,000 |
| Total loans | 169,281,000 | 168,351,000 | 171,711,000 | 165,293,000 |
| Allowance for loan losses | 1,856,000 | 1,884,000 | 1,775,000 | 1,902,000 |
| Securities available for sale | 24,735,000 | 26,791,000 | 29,075,000 | 31,560,000 |
| Securities held to maturity | 0 | 0 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,958,000 | 194,710,000 | 193,530,000 | 195,814,000 |
| Interest-bearing deposits | 163,209,000 | 165,881,000 | 168,651,000 | 170,814,000 |
| Noninterest-bearing deposits | 29,749,000 | 28,829,000 | 24,879,000 | 25,000,000 |
| Equity capital | 21,750,000 | 22,148,000 | 22,773,000 | 22,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,547,000 | 5,212,000 | 7,922,000 | 10,621,000 |
| Interest expense | 466,000 | 981,000 | 1,549,000 | 2,070,000 |
| Net interest income | 2,081,000 | 4,231,000 | 6,373,000 | 8,551,000 |
| Noninterest income | 392,000 | 847,000 | 1,311,000 | 1,998,000 |
| Noninterest expense | 1,838,000 | 3,693,000 | 5,565,000 | 7,579,000 |
| Provision for loan losses | 30,000 | 60,000 | 115,000 | 260,000 |
| Pretax income | 605,000 | 1,325,000 | 2,004,000 | 2,710,000 |
| Income tax | 147,000 | 319,000 | 481,000 | 650,000 |
| Net income | 458,000 | 1,006,000 | 1,523,000 | 2,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,619,000 | 21,749,000 | 22,266,000 | 22,387,000 |
| Total capital | 23,475,000 | 23,633,000 | 24,041,000 | 24,284,000 |
| Risk-weighted assets | 155,290,000 | 156,000,000 | 157,399,000 | 151,776,000 |