Call reports 2020
SOUTH OTTUMWA SAVINGS BANK — 2020
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 511,428,000 | 558,825,000 | 535,421,000 | 559,414,000 |
| Total loans | 283,199,000 | 295,789,000 | 287,970,000 | 269,543,000 |
| Allowance for loan losses | 2,966,000 | 2,874,000 | 2,944,000 | 3,126,000 |
| Securities available for sale | 166,325,000 | 175,737,000 | 179,773,000 | 200,445,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,321,000 | 450,034,000 | 424,964,000 | 448,067,000 |
| Interest-bearing deposits | 335,595,000 | 355,554,000 | 334,147,000 | 346,159,000 |
| Noninterest-bearing deposits | 73,726,000 | 94,480,000 | 90,817,000 | 101,908,000 |
| Equity capital | 62,135,000 | 69,598,000 | 71,280,000 | 71,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,343,000 | 9,209,000 | 13,874,000 | 18,428,000 |
| Interest expense | 1,000,000 | 1,864,000 | 2,623,000 | 3,308,000 |
| Net interest income | 3,343,000 | 7,345,000 | 11,251,000 | 15,120,000 |
| Noninterest income | 480,000 | 976,000 | 1,549,000 | 2,248,000 |
| Noninterest expense | 2,362,000 | 4,965,000 | 7,688,000 | 10,258,000 |
| Provision for loan losses | 25,000 | 270,000 | 360,000 | 450,000 |
| Pretax income | 1,437,000 | 3,145,000 | 4,811,000 | 6,724,000 |
| Income tax | 63,000 | 149,000 | 229,000 | 319,000 |
| Net income | 1,374,000 | 2,996,000 | 4,582,000 | 6,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,738,000 | 51,869,000 | 52,950,000 | 53,117,000 |
| Total capital | 53,704,000 | 54,743,000 | 55,894,000 | 56,243,000 |
| Risk-weighted assets | 326,622,000 | 345,023,000 | 332,043,000 | 344,580,000 |