Call reports 2016
SOUTH OTTUMWA SAVINGS BANK — 2016
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 397,123,000 | 399,770,000 | 400,521,000 | 417,132,000 |
| Total loans | 175,780,000 | 184,202,000 | 189,409,000 | 189,649,000 |
| Allowance for loan losses | 2,575,000 | 2,595,000 | 2,646,000 | 2,696,000 |
| Securities available for sale | 191,888,000 | 186,778,000 | 180,173,000 | 198,662,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,948,000 | 312,577,000 | 318,706,000 | 334,060,000 |
| Interest-bearing deposits | 262,937,000 | 265,155,000 | 269,630,000 | 279,405,000 |
| Noninterest-bearing deposits | 52,011,000 | 47,422,000 | 49,076,000 | 54,655,000 |
| Equity capital | 50,497,000 | 52,334,000 | 52,508,000 | 47,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,427,000 | 6,858,000 | 10,271,000 | 13,774,000 |
| Interest expense | 557,000 | 1,095,000 | 1,666,000 | 2,264,000 |
| Net interest income | 2,870,000 | 5,763,000 | 8,605,000 | 11,510,000 |
| Noninterest income | 396,000 | 806,000 | 1,109,000 | 1,393,000 |
| Noninterest expense | 1,973,000 | 3,887,000 | 5,817,000 | 7,645,000 |
| Provision for loan losses | 14,000 | 41,000 | 82,000 | 118,000 |
| Pretax income | 1,340,000 | 2,797,000 | 4,050,000 | 5,378,000 |
| Income tax | 67,000 | 141,000 | 203,000 | 269,000 |
| Net income | 1,273,000 | 2,656,000 | 3,847,000 | 5,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,509,000 | 44,356,000 | 44,666,000 | 44,849,000 |
| Total capital | 46,084,000 | 46,951,000 | 47,312,000 | 47,545,000 |
| Risk-weighted assets | 215,094,000 | 224,836,000 | 225,586,000 | 228,895,000 |