Call reports 2010
SOUTH OTTUMWA SAVINGS BANK — 2010
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 236,640,000 | 244,334,000 | 239,420,000 | 243,505,000 |
| Total loans | 118,374,000 | 113,485,000 | 113,291,000 | 105,419,000 |
| Allowance for loan losses | 3,384,000 | 1,987,000 | 2,124,000 | 2,197,000 |
| Securities available for sale | 99,638,000 | 111,546,000 | 110,366,000 | 120,080,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,178,000 | 187,358,000 | 180,780,000 | 188,173,000 |
| Interest-bearing deposits | 160,073,000 | 166,582,000 | 161,741,000 | 166,879,000 |
| Noninterest-bearing deposits | 21,105,000 | 20,776,000 | 19,039,000 | 21,294,000 |
| Equity capital | 22,024,000 | 23,333,000 | 25,095,000 | 22,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,923,000 | 5,986,000 | 8,791,000 | 11,518,000 |
| Interest expense | 888,000 | 1,761,000 | 2,610,000 | 3,437,000 |
| Net interest income | 2,035,000 | 4,225,000 | 6,181,000 | 8,081,000 |
| Noninterest income | 235,000 | 526,000 | 897,000 | 998,000 |
| Noninterest expense | 1,272,000 | 2,589,000 | 3,898,000 | 5,082,000 |
| Provision for loan losses | 0 | 500,000 | 800,000 | 2,300,000 |
| Pretax income | 1,082,000 | 1,735,000 | 2,453,000 | 1,836,000 |
| Income tax | 49,000 | 78,000 | 110,000 | 83,000 |
| Net income | 1,033,000 | 1,657,000 | 2,343,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,018,000 | 22,642,000 | 23,129,000 | 22,538,000 |
| Total capital | 23,723,000 | 24,306,000 | 24,774,000 | 24,165,000 |
| Risk-weighted assets | 134,761,000 | 132,764,000 | 131,147,000 | 129,580,000 |