Call reports 2009
SOUTH OTTUMWA SAVINGS BANK — 2009
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 245,735,000 | 242,631,000 | 237,115,000 | 236,978,000 |
| Total loans | 126,232,000 | 126,057,000 | 124,565,000 | 121,503,000 |
| Allowance for loan losses | 2,192,000 | 2,333,000 | 2,232,000 | 3,850,000 |
| Securities available for sale | 101,471,000 | 94,473,000 | 95,304,000 | 95,040,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,994,000 | 186,317,000 | 180,261,000 | 182,748,000 |
| Interest-bearing deposits | 168,190,000 | 164,705,000 | 159,298,000 | 160,959,000 |
| Noninterest-bearing deposits | 20,804,000 | 21,613,000 | 20,963,000 | 21,789,000 |
| Equity capital | 23,009,000 | 22,545,000 | 22,970,000 | 20,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,172,000 | 6,251,000 | 9,300,000 | 12,292,000 |
| Interest expense | 1,326,000 | 2,533,000 | 3,628,000 | 4,623,000 |
| Net interest income | 1,846,000 | 3,718,000 | 5,672,000 | 7,669,000 |
| Noninterest income | 217,000 | 251,000 | -354,000 | -693,000 |
| Noninterest expense | 1,319,000 | 2,673,000 | 4,045,000 | 5,074,000 |
| Provision for loan losses | 40,000 | 1,245,000 | 2,445,000 | 5,860,000 |
| Pretax income | 97,000 | -252,000 | -1,147,000 | -3,797,000 |
| Income tax | 4,000 | -11,000 | -52,000 | -183,000 |
| Net income | 93,000 | -241,000 | -1,095,000 | -3,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,958,000 | 24,401,000 | 23,504,000 | 20,986,000 |
| Total capital | 26,834,000 | 26,219,000 | 25,246,000 | 22,710,000 |
| Risk-weighted assets | 149,727,000 | 144,894,000 | 138,878,000 | 135,761,000 |