Call reports 2004
SOUTH OTTUMWA SAVINGS BANK — 2004
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 265,218,000 | 260,719,000 | 263,599,000 | 259,476,000 |
| Total loans | 123,222,000 | 116,038,000 | 115,121,000 | 114,228,000 |
| Allowance for loan losses | 1,935,000 | 1,943,000 | 1,960,000 | 1,961,000 |
| Securities available for sale | 130,627,000 | 134,282,000 | 137,157,000 | 134,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,718,000 | 207,727,000 | 203,182,000 | 198,399,000 |
| Interest-bearing deposits | 189,302,000 | 191,364,000 | 187,182,000 | 182,292,000 |
| Noninterest-bearing deposits | 16,416,000 | 16,363,000 | 16,000,000 | 16,107,000 |
| Equity capital | 27,695,000 | 24,054,000 | 27,141,000 | 27,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,415,000 | 6,670,000 | 9,988,000 | 13,328,000 |
| Interest expense | 1,364,000 | 2,711,000 | 4,020,000 | 5,345,000 |
| Net interest income | 2,051,000 | 3,959,000 | 5,968,000 | 7,983,000 |
| Noninterest income | 256,000 | 501,000 | 738,000 | 946,000 |
| Noninterest expense | 1,241,000 | 2,475,000 | 3,735,000 | 4,859,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 1,263,000 | 2,255,000 | 3,292,000 | 4,420,000 |
| Income tax | 60,000 | 107,000 | 156,000 | 210,000 |
| Net income | 1,203,000 | 2,148,000 | 3,136,000 | 4,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,092,000 | 23,486,000 | 24,122,000 | 24,815,000 |
| Total capital | 24,970,000 | 25,277,000 | 26,039,000 | 26,572,000 |
| Risk-weighted assets | 150,214,000 | 143,103,000 | 153,344,000 | 140,385,000 |