Call reports 2020
OWEN COUNTY STATE BANK — 2020
What OWEN COUNTY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 250,051,000 | 276,122,000 | 270,936,000 | 279,150,000 |
| Total loans | 164,124,000 | 168,478,000 | 174,096,000 | 163,652,000 |
| Allowance for loan losses | 1,959,000 | 2,036,000 | 2,107,000 | 2,153,000 |
| Securities available for sale | 40,953,000 | 67,921,000 | 64,789,000 | 69,846,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,016,000 | 226,364,000 | 221,107,000 | 234,259,000 |
| Interest-bearing deposits | 181,255,000 | 190,644,000 | 184,776,000 | 196,550,000 |
| Noninterest-bearing deposits | 25,761,000 | 35,720,000 | 36,331,000 | 37,709,000 |
| Equity capital | 23,066,000 | 29,448,000 | 29,857,000 | 29,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,610,000 | 5,154,000 | 7,747,000 | 10,509,000 |
| Interest expense | 477,000 | 877,000 | 1,231,000 | 1,526,000 |
| Net interest income | 2,133,000 | 4,277,000 | 6,516,000 | 8,983,000 |
| Noninterest income | 467,000 | 864,000 | 1,299,000 | 1,783,000 |
| Noninterest expense | 2,114,000 | 4,131,000 | 6,206,000 | 8,343,000 |
| Provision for loan losses | 60,000 | 135,000 | 210,000 | 285,000 |
| Pretax income | 426,000 | 875,000 | 1,468,000 | 2,207,000 |
| Income tax | 97,000 | 198,000 | 332,000 | 503,000 |
| Net income | 329,000 | 677,000 | 1,136,000 | 1,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,429,000 | 28,236,000 | 28,696,000 | 28,775,000 |
| Total capital | 24,320,000 | — | — | — |
| Risk-weighted assets | 151,254,000 | — | — | — |