Call reports 2012
SOUTH OTTUMWA SAVINGS BANK — 2012
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 320,483,000 | 321,615,000 | 309,532,000 | 319,561,000 |
| Total loans | 136,921,000 | 132,944,000 | 129,851,000 | 126,252,000 |
| Allowance for loan losses | 2,195,000 | 2,139,000 | 1,927,000 | 2,049,000 |
| Securities available for sale | 158,934,000 | 159,508,000 | 154,157,000 | 165,530,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,820,000 | 250,640,000 | 238,210,000 | 249,342,000 |
| Interest-bearing deposits | 215,726,000 | 216,993,000 | 206,424,000 | 213,281,000 |
| Noninterest-bearing deposits | 35,094,000 | 33,647,000 | 31,787,000 | 36,061,000 |
| Equity capital | 30,916,000 | 32,328,000 | 33,996,000 | 33,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,260,000 | 6,488,000 | 9,559,000 | 12,735,000 |
| Interest expense | 748,000 | 1,458,000 | 2,119,000 | 2,757,000 |
| Net interest income | 2,512,000 | 5,030,000 | 7,440,000 | 9,978,000 |
| Noninterest income | 251,000 | 536,000 | 834,000 | 1,032,000 |
| Noninterest expense | 1,692,000 | 3,402,000 | 5,130,000 | 7,069,000 |
| Provision for loan losses | 60,000 | 320,000 | 406,000 | 406,000 |
| Pretax income | 1,154,000 | 2,014,000 | 3,131,000 | 4,043,000 |
| Income tax | 58,000 | 101,000 | 157,000 | 202,000 |
| Net income | 1,096,000 | 1,913,000 | 2,974,000 | 3,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,411,000 | 25,247,000 | 26,327,000 | 25,983,000 |
| Total capital | 26,496,000 | 27,302,000 | 28,254,000 | 27,978,000 |
| Risk-weighted assets | 166,654,000 | 163,546,000 | 159,475,000 | 158,822,000 |