Call reports 2022
OWEN COUNTY STATE BANK — 2022
What OWEN COUNTY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 349,032,000 | 331,805,000 | 319,100,000 | 326,078,000 |
| Total loans | 175,918,000 | 180,834,000 | 189,632,000 | 200,457,000 |
| Allowance for loan losses | 1,960,000 | 1,968,000 | 1,999,000 | 2,066,000 |
| Securities available for sale | 108,485,000 | 102,809,000 | 93,631,000 | 93,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,633,000 | 304,733,000 | 295,014,000 | 295,933,000 |
| Interest-bearing deposits | 244,890,000 | 247,144,000 | 240,449,000 | 245,018,000 |
| Noninterest-bearing deposits | 68,743,000 | 57,589,000 | 54,565,000 | 50,915,000 |
| Equity capital | 24,400,000 | 20,917,000 | 17,391,000 | 19,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,824,000 | 5,728,000 | 8,777,000 | 12,138,000 |
| Interest expense | 162,000 | 336,000 | 602,000 | 1,246,000 |
| Net interest income | 2,662,000 | 5,392,000 | 8,175,000 | 10,892,000 |
| Noninterest income | 473,000 | 947,000 | 1,442,000 | 1,877,000 |
| Noninterest expense | 2,475,000 | 4,886,000 | 7,329,000 | 9,912,000 |
| Provision for loan losses | -125,000 | -110,000 | -75,000 | 0 |
| Pretax income | 785,000 | 1,563,000 | 2,362,000 | 2,856,000 |
| Income tax | 166,000 | 313,000 | 462,000 | 537,000 |
| Net income | 619,000 | 1,250,000 | 1,900,000 | 2,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,439,000 | 30,516,000 | 31,167,000 | 31,303,000 |