Call reports 2005
SOUTH OTTUMWA SAVINGS BANK — 2005
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 257,416,000 | 251,606,000 | 248,149,000 | 256,683,000 |
| Total loans | 127,298,000 | 130,128,000 | 130,277,000 | 129,236,000 |
| Allowance for loan losses | 1,956,000 | 1,795,000 | 1,847,000 | 1,882,000 |
| Securities available for sale | 119,347,000 | 110,383,000 | 105,674,000 | 105,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,592,000 | 198,450,000 | 195,391,000 | 208,443,000 |
| Interest-bearing deposits | 182,985,000 | 180,706,000 | 178,374,000 | 190,082,000 |
| Noninterest-bearing deposits | 17,607,000 | 17,744,000 | 17,017,000 | 18,361,000 |
| Equity capital | 23,071,000 | 24,545,000 | 24,322,000 | 23,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,328,000 | 6,758,000 | 10,240,000 | 13,753,000 |
| Interest expense | 1,356,000 | 2,736,000 | 4,174,000 | 5,708,000 |
| Net interest income | 1,972,000 | 4,022,000 | 6,066,000 | 8,045,000 |
| Noninterest income | 223,000 | 469,000 | 698,000 | 940,000 |
| Noninterest expense | 1,231,000 | 2,420,000 | 3,617,000 | 4,708,000 |
| Provision for loan losses | 0 | 40,000 | 100,000 | 160,000 |
| Pretax income | 1,088,000 | 2,193,000 | 3,197,000 | 4,300,000 |
| Income tax | 52,000 | 104,000 | 152,000 | 190,000 |
| Net income | 1,036,000 | 2,089,000 | 3,045,000 | 4,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,095,000 | 22,643,000 | 23,111,000 | 23,487,000 |
| Total capital | 23,967,000 | 24,438,000 | 24,958,000 | 25,369,000 |
| Risk-weighted assets | 149,660,000 | 149,367,000 | 151,056,000 | 154,368,000 |