Call reports 2023
OWEN COUNTY STATE BANK — 2023
What OWEN COUNTY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 335,568,000 | 336,888,000 | 330,664,000 | 343,205,000 |
| Total loans | 202,620,000 | 205,823,000 | 214,792,000 | 220,399,000 |
| Allowance for loan losses | 2,656,000 | 2,708,000 | 2,741,000 | 2,751,000 |
| Securities available for sale | 94,014,000 | 90,649,000 | 84,702,000 | 89,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,295,000 | 295,687,000 | 279,029,000 | 290,073,000 |
| Interest-bearing deposits | 248,151,000 | 246,157,000 | 233,561,000 | 246,363,000 |
| Noninterest-bearing deposits | 52,144,000 | 49,530,000 | 45,468,000 | 43,710,000 |
| Equity capital | 20,515,000 | 19,561,000 | 16,967,000 | 21,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,632,000 | 7,408,000 | 11,252,000 | 15,261,000 |
| Interest expense | 1,039,000 | 2,241,000 | 3,559,000 | 5,093,000 |
| Net interest income | 2,593,000 | 5,167,000 | 7,693,000 | 10,168,000 |
| Noninterest income | 434,000 | 932,000 | 1,397,000 | 1,848,000 |
| Noninterest expense | 2,652,000 | 5,089,000 | 7,570,000 | 10,190,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 216,000 |
| Pretax income | 315,000 | 890,000 | 1,340,000 | 1,586,000 |
| Income tax | 33,000 | 129,000 | 218,000 | 253,000 |
| Net income | 282,000 | 761,000 | 1,122,000 | 1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,475,000 | 31,545,000 | 31,906,000 | 31,808,000 |
| Total capital | — | — | — | 34,254,000 |
| Risk-weighted assets | — | — | — | 227,811,000 |
Machine access — free, no API key
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