Call reports 2025
OWEN COUNTY STATE BANK — 2025
What OWEN COUNTY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 369,153,000 | 389,453,000 | 384,931,000 | 389,086,000 |
| Total loans | 253,338,000 | 268,725,000 | 269,489,000 | 270,166,000 |
| Allowance for loan losses | 3,275,000 | 3,340,000 | 3,401,000 | 3,417,000 |
| Securities available for sale | 80,904,000 | 80,060,000 | 79,500,000 | 78,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,736,000 | 308,217,000 | 306,677,000 | 313,816,000 |
| Interest-bearing deposits | 251,065,000 | 265,240,000 | 262,753,000 | 274,568,000 |
| Noninterest-bearing deposits | 40,671,000 | 42,977,000 | 43,924,000 | 39,248,000 |
| Equity capital | 23,076,000 | 24,100,000 | 25,856,000 | 26,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,760,000 | 9,928,000 | 15,292,000 | 20,692,000 |
| Interest expense | 1,981,000 | 4,065,000 | 6,169,000 | 8,317,000 |
| Net interest income | 2,779,000 | 5,863,000 | 9,123,000 | 12,375,000 |
| Noninterest income | 444,000 | 982,000 | 1,493,000 | 1,934,000 |
| Noninterest expense | 2,436,000 | 4,924,000 | 7,384,000 | 10,495,000 |
| Provision for loan losses | 125,000 | 200,000 | 275,000 | 350,000 |
| Pretax income | 662,000 | 1,721,000 | 2,957,000 | 3,464,000 |
| Income tax | 140,000 | 383,000 | 664,000 | 768,000 |
| Net income | 522,000 | 1,338,000 | 2,293,000 | 2,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,868,000 | 33,202,000 | 34,041,000 | 33,642,000 |
| Total capital | 36,066,000 | 36,465,000 | 37,366,000 | 36,983,000 |
| Risk-weighted assets | 260,381,000 | 272,740,000 | 273,409,000 | 270,154,000 |