Call reports 2007
SOUTH OTTUMWA SAVINGS BANK — 2007
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 245,705,000 | 244,858,000 | 243,648,000 | 249,228,000 |
| Total loans | 123,686,000 | 127,014,000 | 133,778,000 | 132,559,000 |
| Allowance for loan losses | 1,799,000 | 1,861,000 | 1,834,000 | 1,786,000 |
| Securities available for sale | 111,336,000 | 106,359,000 | 99,313,000 | 101,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,160,000 | 187,859,000 | 184,490,000 | 191,270,000 |
| Interest-bearing deposits | 177,477,000 | 169,882,000 | 167,913,000 | 172,161,000 |
| Noninterest-bearing deposits | 17,683,000 | 17,977,000 | 16,577,000 | 19,109,000 |
| Equity capital | 24,156,000 | 23,240,000 | 24,386,000 | 25,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,744,000 | 7,538,000 | 11,348,000 | 15,165,000 |
| Interest expense | 1,857,000 | 3,754,000 | 5,711,000 | 7,670,000 |
| Net interest income | 1,887,000 | 3,784,000 | 5,637,000 | 7,495,000 |
| Noninterest income | 222,000 | 448,000 | 673,000 | 909,000 |
| Noninterest expense | 1,200,000 | 2,414,000 | 3,644,000 | 4,875,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 220,000 |
| Pretax income | 873,000 | 1,759,000 | 2,574,000 | 3,479,000 |
| Income tax | 39,000 | 79,000 | 116,000 | 150,000 |
| Net income | 834,000 | 1,680,000 | 2,458,000 | 3,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,260,000 | 23,560,000 | 24,026,000 | 24,586,000 |
| Total capital | 25,053,000 | 25,421,000 | 25,860,000 | 26,372,000 |
| Risk-weighted assets | 143,422,000 | 153,297,000 | 148,967,000 | 150,183,000 |