Call reports 2017
SOUTH OTTUMWA SAVINGS BANK — 2017
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 427,818,000 | 419,702,000 | 409,673,000 | 419,554,000 |
| Total loans | 194,753,000 | 199,515,000 | 198,152,000 | 200,910,000 |
| Allowance for loan losses | 2,755,000 | 2,819,000 | 2,879,000 | 2,936,000 |
| Securities available for sale | 202,811,000 | 186,756,000 | 177,830,000 | 185,994,000 |
| Securities held to maturity | 2,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,593,000 | 338,427,000 | 317,992,000 | 333,931,000 |
| Interest-bearing deposits | 285,063,000 | 276,035,000 | 263,783,000 | 283,706,000 |
| Noninterest-bearing deposits | 53,530,000 | 62,392,000 | 54,209,000 | 50,225,000 |
| Equity capital | 48,736,000 | 51,625,000 | 52,219,000 | 52,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,575,000 | 7,237,000 | 10,893,000 | 14,586,000 |
| Interest expense | 633,000 | 1,277,000 | 1,908,000 | 2,584,000 |
| Net interest income | 2,942,000 | 5,960,000 | 8,985,000 | 12,002,000 |
| Noninterest income | 324,000 | 610,000 | 1,013,000 | 1,302,000 |
| Noninterest expense | 1,945,000 | 3,855,000 | 5,766,000 | 7,598,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 252,000 |
| Pretax income | 1,263,000 | 2,600,000 | 4,085,000 | 5,494,000 |
| Income tax | 63,000 | 117,000 | 184,000 | 247,000 |
| Net income | 1,200,000 | 2,483,000 | 3,901,000 | 5,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,436,000 | 46,176,000 | 47,051,000 | 48,411,000 |
| Total capital | 48,191,000 | 48,995,000 | 49,875,000 | 51,333,000 |
| Risk-weighted assets | 232,401,000 | 233,422,000 | 225,866,000 | 233,770,000 |