For most files on a web server,
the owner will be the FTP username,
the group will be the group Apache belongs to,
and Others will be any other user on the server that is not in the above two categories. For example, if there's another linux user on the same machine called nswan, that user belongs to the Others category.
So, let's say your ftp account username is moony16, and your apache server runs as apache. When you issue the command "ls -a" on linux, you should get something like:
-rw-r--r-- 5 moony16 apache 4096 Jan 20 13:05 logo.jpg
The result shows that the file, logo.jpg has a permission of 644. Strictly speaking, you could make the permission 640, and you'll still be ok, since only your webserver user, and your ftp user should be able to read/change the file.