Call reports 2021
SOUTH OTTUMWA SAVINGS BANK — 2021
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 566,742,000 | 570,993,000 | 559,769,000 | 583,899,000 |
| Total loans | 262,764,000 | 258,927,000 | 267,395,000 | 269,950,000 |
| Allowance for loan losses | 3,217,000 | 3,299,000 | 3,373,000 | 3,488,000 |
| Securities available for sale | 217,172,000 | 242,154,000 | 242,745,000 | 239,971,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,213,000 | 466,479,000 | 457,010,000 | 482,493,000 |
| Interest-bearing deposits | 350,390,000 | 353,388,000 | 344,882,000 | 362,014,000 |
| Noninterest-bearing deposits | 109,823,000 | 113,091,000 | 112,128,000 | 120,479,000 |
| Equity capital | 71,415,000 | 73,413,000 | 75,315,000 | 72,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,495,000 | 9,070,000 | 13,937,000 | 18,309,000 |
| Interest expense | 600,000 | 1,134,000 | 1,616,000 | 2,057,000 |
| Net interest income | 3,895,000 | 7,936,000 | 12,321,000 | 16,252,000 |
| Noninterest income | 532,000 | 1,106,000 | 1,692,000 | 2,293,000 |
| Noninterest expense | 2,580,000 | 5,163,000 | 7,783,000 | 10,444,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,952,000 | 3,927,000 | 6,257,000 | 8,055,000 |
| Income tax | 93,000 | 187,000 | 298,000 | 383,000 |
| Net income | 1,859,000 | 3,740,000 | 5,959,000 | 7,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,468,000 | 55,840,000 | 57,550,000 | 56,749,000 |
| Total capital | 57,685,000 | 59,139,000 | 60,923,000 | 60,237,000 |
| Risk-weighted assets | 333,652,000 | 336,202,000 | 347,344,000 | 362,172,000 |