Call reports 2003
SOUTH OTTUMWA SAVINGS BANK — 2003
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 256,583,000 | 253,951,000 | 250,788,000 | 254,954,000 |
| Total loans | 123,416,000 | 123,677,000 | 124,551,000 | 127,263,000 |
| Allowance for loan losses | 1,830,000 | 1,919,000 | 1,898,000 | 1,878,000 |
| Securities available for sale | 117,919,000 | 115,198,000 | 108,044,000 | 116,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,111,000 | 197,031,000 | 195,922,000 | 201,495,000 |
| Interest-bearing deposits | 187,435,000 | 181,830,000 | 180,947,000 | 185,030,000 |
| Noninterest-bearing deposits | 14,676,000 | 15,201,000 | 14,975,000 | 16,465,000 |
| Equity capital | 24,613,000 | 27,291,000 | 25,583,000 | 26,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,564,000 | 7,114,000 | 10,505,000 | 13,870,000 |
| Interest expense | 1,554,000 | 3,083,000 | 4,506,000 | 5,897,000 |
| Net interest income | 2,010,000 | 4,031,000 | 5,999,000 | 7,973,000 |
| Noninterest income | 224,000 | 489,000 | 724,000 | 978,000 |
| Noninterest expense | 1,214,000 | 2,386,000 | 3,598,000 | 4,770,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 960,000 | 2,351,000 | 3,296,000 | 4,426,000 |
| Income tax | 48,000 | 118,000 | 165,000 | 210,000 |
| Net income | 912,000 | 2,233,000 | 3,131,000 | 4,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,750,000 | 21,698,000 | 21,759,000 | 22,448,000 |
| Total capital | 22,580,000 | 23,553,000 | 23,636,000 | 24,326,000 |
| Risk-weighted assets | 153,610,000 | 148,327,000 | 150,154,000 | 152,154,000 |