Call reports 2006
SOUTH OTTUMWA SAVINGS BANK — 2006
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 257,791,000 | 248,564,000 | 251,301,000 | 247,501,000 |
| Total loans | 127,795,000 | 124,202,000 | 125,534,000 | 124,187,000 |
| Allowance for loan losses | 1,889,000 | 1,922,000 | 1,679,000 | 1,740,000 |
| Securities available for sale | 111,568,000 | 114,292,000 | 115,616,000 | 111,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,859,000 | 197,738,000 | 194,602,000 | 195,036,000 |
| Interest-bearing deposits | 188,354,000 | 179,449,000 | 177,539,000 | 176,947,000 |
| Noninterest-bearing deposits | 17,505,000 | 18,289,000 | 17,063,000 | 18,089,000 |
| Equity capital | 21,624,000 | 20,462,000 | 23,275,000 | 23,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,621,000 | 7,400,000 | 11,197,000 | 15,045,000 |
| Interest expense | 1,625,000 | 3,358,000 | 5,174,000 | 7,061,000 |
| Net interest income | 1,996,000 | 4,042,000 | 6,023,000 | 7,984,000 |
| Noninterest income | 238,000 | 438,000 | 684,000 | 945,000 |
| Noninterest expense | 1,243,000 | 2,512,000 | 3,723,000 | 4,883,000 |
| Provision for loan losses | 15,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 924,000 | 1,843,000 | 2,777,000 | 3,785,000 |
| Income tax | 44,000 | 88,000 | 132,000 | 180,000 |
| Net income | 880,000 | 1,755,000 | 2,645,000 | 3,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,412,000 | 21,882,000 | 22,322,000 | 22,876,000 |
| Total capital | 23,300,000 | 23,713,000 | 24,001,000 | 24,616,000 |
| Risk-weighted assets | 151,005,000 | 146,425,000 | 148,025,000 | 145,511,000 |