Call reports 2015
SOUTH OTTUMWA SAVINGS BANK — 2015
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 308,720,000 | 397,514,000 | 381,776,000 | 394,986,000 |
| Total loans | 129,060,000 | 156,625,000 | 161,978,000 | 167,171,000 |
| Allowance for loan losses | 1,870,000 | 2,260,000 | 2,285,000 | 2,321,000 |
| Securities available for sale | 156,474,000 | 214,688,000 | 192,380,000 | 196,254,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,246,000 | 305,518,000 | 295,166,000 | 308,822,000 |
| Interest-bearing deposits | 199,826,000 | 258,994,000 | 248,763,000 | 257,499,000 |
| Noninterest-bearing deposits | 38,420,000 | 46,524,000 | 46,403,000 | 51,323,000 |
| Equity capital | 37,302,000 | 47,833,000 | 48,657,000 | 48,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,725,000 | 6,761,000 | 10,097,000 | 13,517,000 |
| Interest expense | 483,000 | 1,176,000 | 1,752,000 | 2,323,000 |
| Net interest income | 2,242,000 | 5,585,000 | 8,345,000 | 11,194,000 |
| Noninterest income | 215,000 | 580,000 | 853,000 | 1,113,000 |
| Noninterest expense | 1,528,000 | 3,757,000 | 5,608,000 | 7,462,000 |
| Provision for loan losses | 45,000 | 145,000 | 283,000 | 332,000 |
| Pretax income | 889,000 | 2,385,000 | 3,528,000 | 4,798,000 |
| Income tax | 45,000 | 120,000 | 177,000 | 242,000 |
| Net income | 844,000 | 2,265,000 | 3,351,000 | 4,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,465,000 | 41,785,000 | 42,332,000 | 42,810,000 |
| Total capital | 34,335,000 | 44,045,000 | 44,617,000 | 45,131,000 |
| Risk-weighted assets | 164,298,000 | 201,948,000 | 202,948,000 | 208,355,000 |