Call reports 2018
SOUTH OTTUMWA SAVINGS BANK — 2018
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 407,734,000 | 416,769,000 | 410,904,000 | 422,134,000 |
| Total loans | 198,339,000 | 201,058,000 | 204,714,000 | 211,349,000 |
| Allowance for loan losses | 2,966,000 | 2,980,000 | 2,971,000 | 2,922,000 |
| Securities available for sale | 176,653,000 | 176,896,000 | 164,881,000 | 164,050,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,120,000 | 324,744,000 | 319,940,000 | 333,021,000 |
| Interest-bearing deposits | 265,839,000 | 271,341,000 | 265,269,000 | 276,617,000 |
| Noninterest-bearing deposits | 50,281,000 | 53,403,000 | 54,671,000 | 56,404,000 |
| Equity capital | 49,770,000 | 50,472,000 | 50,271,000 | 52,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,651,000 | 7,344,000 | 11,106,000 | 14,965,000 |
| Interest expense | 675,000 | 1,472,000 | 2,392,000 | 3,410,000 |
| Net interest income | 2,976,000 | 5,872,000 | 8,714,000 | 11,555,000 |
| Noninterest income | 285,000 | 705,000 | 1,096,000 | 1,483,000 |
| Noninterest expense | 1,943,000 | 3,862,000 | 5,752,000 | 7,565,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 1,370,000 | 2,748,000 | 4,098,000 | 5,513,000 |
| Income tax | 62,000 | 124,000 | 185,000 | 249,000 |
| Net income | 1,308,000 | 2,624,000 | 3,913,000 | 5,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,874,000 | 49,651,000 | 50,400,000 | 50,912,000 |
| Total capital | 51,724,000 | 52,595,000 | 53,371,000 | 53,834,000 |
| Risk-weighted assets | 227,936,000 | 235,561,000 | 239,122,000 | 254,444,000 |