Call reports 2013
SOUTH OTTUMWA SAVINGS BANK — 2013
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 307,851,000 | 308,154,000 | 295,907,000 | 301,733,000 |
| Total loans | 121,539,000 | 118,503,000 | 117,644,000 | 117,775,000 |
| Allowance for loan losses | 2,047,000 | 2,036,000 | 1,785,000 | 1,781,000 |
| Securities available for sale | 156,138,000 | 167,036,000 | 153,939,000 | 160,148,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,313,000 | 239,256,000 | 231,265,000 | 236,896,000 |
| Interest-bearing deposits | 205,010,000 | 207,828,000 | 199,271,000 | 201,884,000 |
| Noninterest-bearing deposits | 34,303,000 | 31,428,000 | 31,994,000 | 35,013,000 |
| Equity capital | 33,589,000 | 30,518,000 | 29,796,000 | 30,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,847,000 | 5,565,000 | 8,166,000 | 10,914,000 |
| Interest expense | 595,000 | 1,173,000 | 1,732,000 | 2,281,000 |
| Net interest income | 2,252,000 | 4,392,000 | 6,434,000 | 8,633,000 |
| Noninterest income | 271,000 | 535,000 | 471,000 | 643,000 |
| Noninterest expense | 1,588,000 | 3,268,000 | 5,073,000 | 6,814,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 935,000 | 1,735,000 | 1,979,000 | 2,609,000 |
| Income tax | 47,000 | 87,000 | 127,000 | 130,000 |
| Net income | 888,000 | 1,648,000 | 1,852,000 | 2,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,889,000 | 27,669,000 | 27,893,000 | 28,537,000 |
| Total capital | 28,853,000 | 29,628,000 | 29,678,000 | 30,318,000 |
| Risk-weighted assets | 157,066,000 | 156,226,000 | 151,822,000 | 165,843,000 |