Call reports 2019
SOUTH OTTUMWA SAVINGS BANK — 2019
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 413,975,000 | 405,774,000 | 394,225,000 | 410,576,000 |
| Total loans | 212,439,000 | 216,530,000 | 221,403,000 | 216,121,000 |
| Allowance for loan losses | 2,930,000 | 2,942,000 | 2,920,000 | 2,938,000 |
| Securities available for sale | 151,446,000 | 150,248,000 | 136,907,000 | 141,962,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,653,000 | 311,270,000 | 298,049,000 | 312,985,000 |
| Interest-bearing deposits | 270,133,000 | 258,845,000 | 243,374,000 | 257,541,000 |
| Noninterest-bearing deposits | 54,520,000 | 52,425,000 | 54,675,000 | 55,444,000 |
| Equity capital | 54,826,000 | 57,877,000 | 59,407,000 | 60,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,805,000 | 7,639,000 | 11,441,000 | 15,220,000 |
| Interest expense | 1,010,000 | 2,013,000 | 2,963,000 | 3,904,000 |
| Net interest income | 2,795,000 | 5,626,000 | 8,478,000 | 11,316,000 |
| Noninterest income | 430,000 | 855,000 | 1,323,000 | 1,752,000 |
| Noninterest expense | 1,948,000 | 3,889,000 | 5,777,000 | 7,639,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,228,000 | 2,529,000 | 3,961,000 | 6,226,000 |
| Income tax | 56,000 | 114,000 | 179,000 | 281,000 |
| Net income | 1,172,000 | 2,415,000 | 3,782,000 | 5,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,544,000 | 52,248,000 | 53,075,000 | 54,209,000 |
| Total capital | 54,474,000 | 55,190,000 | 55,995,000 | 57,147,000 |
| Risk-weighted assets | 242,077,000 | 243,649,000 | 246,712,000 | 253,299,000 |