Call reports 2008
SOUTH OTTUMWA SAVINGS BANK — 2008
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 257,321,000 | 254,200,000 | 245,083,000 | 244,160,000 |
| Total loans | 134,078,000 | 132,444,000 | 136,319,000 | 131,628,000 |
| Allowance for loan losses | 1,663,000 | 1,847,000 | 2,139,000 | 2,522,000 |
| Securities available for sale | 105,413,000 | 105,095,000 | 94,247,000 | 93,019,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,330,000 | 190,322,000 | 184,515,000 | 187,619,000 |
| Interest-bearing deposits | 174,246,000 | 169,883,000 | 166,178,000 | 167,049,000 |
| Noninterest-bearing deposits | 20,084,000 | 20,439,000 | 18,337,000 | 20,570,000 |
| Equity capital | 26,359,000 | 24,367,000 | 21,760,000 | 22,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,743,000 | 7,342,000 | 10,835,000 | 14,135,000 |
| Interest expense | 1,911,000 | 3,583,000 | 5,091,000 | 6,493,000 |
| Net interest income | 1,832,000 | 3,759,000 | 5,744,000 | 7,642,000 |
| Noninterest income | 251,000 | 448,000 | 638,000 | 821,000 |
| Noninterest expense | 1,234,000 | 2,494,000 | 3,743,000 | 4,899,000 |
| Provision for loan losses | 10,000 | 505,000 | 805,000 | 1,285,000 |
| Pretax income | 933,000 | 1,301,000 | 1,237,000 | 1,645,000 |
| Income tax | 42,000 | 59,000 | 56,000 | 73,000 |
| Net income | 891,000 | 1,242,000 | 1,181,000 | 1,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,098,000 | 25,182,000 | 24,853,000 | 25,244,000 |
| Total capital | 26,761,000 | 27,029,000 | 26,791,000 | 27,157,000 |
| Risk-weighted assets | 163,074,000 | 159,183,000 | 154,843,000 | 152,402,000 |