Call reports 2024
OWEN COUNTY STATE BANK — 2024
What OWEN COUNTY STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 341,510,000 | 360,029,000 | 364,029,000 | 366,878,000 |
| Total loans | 223,257,000 | 233,842,000 | 244,098,000 | 246,442,000 |
| Allowance for loan losses | 2,807,000 | 3,006,000 | 3,096,000 | 3,152,000 |
| Securities available for sale | 86,075,000 | 83,945,000 | 85,580,000 | 80,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,019,000 | 295,001,000 | 296,087,000 | 301,413,000 |
| Interest-bearing deposits | 247,339,000 | 251,450,000 | 254,808,000 | 256,398,000 |
| Noninterest-bearing deposits | 41,680,000 | 43,551,000 | 41,279,000 | 45,015,000 |
| Equity capital | 20,832,000 | 20,567,000 | 23,574,000 | 21,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,074,000 | 8,434,000 | 13,095,000 | 17,852,000 |
| Interest expense | 1,684,000 | 3,556,000 | 5,505,000 | 7,514,000 |
| Net interest income | 2,390,000 | 4,878,000 | 7,590,000 | 10,338,000 |
| Noninterest income | 410,000 | 1,103,000 | 1,609,000 | 2,042,000 |
| Noninterest expense | 2,490,000 | 4,969,000 | 7,427,000 | 9,885,000 |
| Provision for loan losses | 75,000 | 340,000 | 480,000 | 630,000 |
| Pretax income | 235,000 | 672,000 | 1,282,000 | 1,855,000 |
| Income tax | 39,000 | 126,000 | 255,000 | 376,000 |
| Net income | 196,000 | 546,000 | 1,027,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,895,000 | 31,942,000 | 32,422,000 | 32,455,000 |
| Total capital | 34,507,000 | 34,753,000 | 35,334,000 | 35,421,000 |
| Risk-weighted assets | 232,547,000 | 238,147,000 | 252,427,000 | 255,198,000 |