Call reports 2021
OWEN COUNTY STATE BANK — 2021
What OWEN COUNTY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 287,233,000 | 300,235,000 | 303,589,000 | 345,463,000 |
| Total loans | 159,670,000 | 161,652,000 | 166,028,000 | 170,191,000 |
| Allowance for loan losses | 2,200,000 | 2,101,000 | 2,096,000 | 2,092,000 |
| Securities available for sale | 84,768,000 | 97,982,000 | 96,879,000 | 111,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,380,000 | 260,608,000 | 263,810,000 | 305,041,000 |
| Interest-bearing deposits | 203,235,000 | 211,361,000 | 212,396,000 | 232,756,000 |
| Noninterest-bearing deposits | 45,145,000 | 49,247,000 | 51,414,000 | 72,285,000 |
| Equity capital | 29,055,000 | 29,762,000 | 29,875,000 | 29,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,614,000 | 5,133,000 | 7,877,000 | 10,560,000 |
| Interest expense | 220,000 | 411,000 | 584,000 | 749,000 |
| Net interest income | 2,394,000 | 4,722,000 | 7,293,000 | 9,811,000 |
| Noninterest income | 446,000 | 942,000 | 1,526,000 | 2,036,000 |
| Noninterest expense | 2,198,000 | 4,486,000 | 6,842,000 | 9,260,000 |
| Provision for loan losses | 60,000 | -40,000 | -40,000 | -40,000 |
| Pretax income | 582,000 | 1,218,000 | 2,017,000 | 2,627,000 |
| Income tax | 130,000 | 274,000 | 456,000 | 585,000 |
| Net income | 452,000 | 944,000 | 1,561,000 | 2,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,226,000 | 29,189,000 | 29,806,000 | 29,820,000 |