Call reports 2022
SOUTH OTTUMWA SAVINGS BANK — 2022
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 592,497,000 | 568,476,000 | 563,286,000 | 567,271,000 |
| Total loans | 261,147,000 | 270,133,000 | 285,272,000 | 285,933,000 |
| Allowance for loan losses | 3,547,000 | 3,598,000 | 3,641,000 | 3,639,000 |
| Securities available for sale | 245,124,000 | 253,997,000 | 228,650,000 | 230,955,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,611,000 | 489,481,000 | 488,773,000 | 482,567,000 |
| Interest-bearing deposits | 387,241,000 | 369,361,000 | 374,454,000 | 370,114,000 |
| Noninterest-bearing deposits | 115,370,000 | 120,120,000 | 114,319,000 | 112,453,000 |
| Equity capital | 64,701,000 | 54,431,000 | 52,868,000 | 58,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,957,000 | 8,139,000 | 12,588,000 | 17,293,000 |
| Interest expense | 397,000 | 805,000 | 1,285,000 | 2,012,000 |
| Net interest income | 3,560,000 | 7,334,000 | 11,303,000 | 15,281,000 |
| Noninterest income | 2,121,000 | 2,791,000 | 3,442,000 | 4,120,000 |
| Noninterest expense | 2,659,000 | 5,330,000 | 8,063,000 | 10,749,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 3,100,000 | 4,810,000 | 6,640,000 | 8,603,000 |
| Income tax | 144,000 | 228,000 | 316,000 | 411,000 |
| Net income | 2,956,000 | 4,582,000 | 6,324,000 | 8,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,175,000 | 59,701,000 | 60,910,000 | 62,245,000 |
| Total capital | 62,722,000 | 63,299,000 | 64,551,000 | 65,884,000 |
| Risk-weighted assets | 366,547,000 | 378,266,000 | 377,691,000 | 371,726,000 |