Call reports 2025
SOUTH OTTUMWA SAVINGS BANK — 2025
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 547,692,000 | 526,075,000 | 525,481,000 | 518,942,000 |
| Total loans | 322,266,000 | 324,253,000 | 327,015,000 | 323,180,000 |
| Allowance for loan losses | 3,405,000 | 3,432,000 | 3,204,000 | 3,395,000 |
| Securities available for sale | 149,609,000 | 156,761,000 | 159,107,000 | 156,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,693,000 | 440,805,000 | 424,401,000 | 429,506,000 |
| Interest-bearing deposits | 354,132,000 | 335,563,000 | 323,115,000 | 330,310,000 |
| Noninterest-bearing deposits | 110,561,000 | 105,242,000 | 101,286,000 | 99,196,000 |
| Equity capital | 65,897,000 | 68,073,000 | 73,240,000 | 74,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,673,000 | 11,473,000 | 17,272,000 | 23,147,000 |
| Interest expense | 1,957,000 | 3,796,000 | 5,581,000 | 7,315,000 |
| Net interest income | 3,716,000 | 7,677,000 | 11,691,000 | 15,832,000 |
| Noninterest income | 574,000 | 1,474,000 | 2,145,000 | 2,855,000 |
| Noninterest expense | 2,795,000 | 5,496,000 | 8,199,000 | 11,067,000 |
| Provision for loan losses | 17,000 | 160,000 | 240,000 | 590,000 |
| Pretax income | 1,311,000 | 3,328,000 | 5,230,000 | 6,845,000 |
| Income tax | 52,000 | 130,000 | 206,000 | 183,000 |
| Net income | 1,259,000 | 3,198,000 | 5,024,000 | 6,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,032,000 | 66,436,000 | 67,728,000 | 68,830,000 |
| Total capital | 68,464,000 | 69,895,000 | 70,960,000 | 72,270,000 |
| Risk-weighted assets | 383,035,000 | 380,548,000 | 380,514,000 | 376,207,000 |