Call reports 2002
SOUTH OTTUMWA SAVINGS BANK — 2002
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 230,510,000 | 239,480,000 | 240,318,000 | 245,881,000 |
| Total loans | 118,790,000 | 123,905,000 | 122,286,000 | 121,492,000 |
| Allowance for loan losses | 1,582,000 | 1,599,000 | 1,617,000 | 1,804,000 |
| Securities available for sale | 96,109,000 | 104,144,000 | 105,253,000 | 110,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,137,000 | 187,058,000 | 186,710,000 | 192,105,000 |
| Interest-bearing deposits | 167,070,000 | 172,321,000 | 171,981,000 | 177,461,000 |
| Noninterest-bearing deposits | 14,067,000 | 14,737,000 | 14,729,000 | 14,644,000 |
| Equity capital | 20,238,000 | 22,845,000 | 24,231,000 | 24,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,502,000 | 7,153,000 | 10,850,000 | 14,495,000 |
| Interest expense | 1,668,000 | 3,392,000 | 5,038,000 | 6,629,000 |
| Net interest income | 1,834,000 | 3,761,000 | 5,812,000 | 7,866,000 |
| Noninterest income | 221,000 | 456,000 | 704,000 | 985,000 |
| Noninterest expense | 1,126,000 | 2,325,000 | 3,512,000 | 4,644,000 |
| Provision for loan losses | 45,000 | 100,000 | 160,000 | 420,000 |
| Pretax income | 924,000 | 1,896,000 | 3,136,000 | 4,079,000 |
| Income tax | 51,000 | 99,000 | 161,000 | 191,000 |
| Net income | 873,000 | 1,797,000 | 2,975,000 | 3,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,024,000 | 19,508,000 | 20,157,000 | 20,410,000 |
| Total capital | 20,606,000 | 21,107,000 | 21,774,000 | 22,214,000 |
| Risk-weighted assets | 136,886,000 | 143,727,000 | 145,591,000 | 147,781,000 |