Call reports 2003
COMMUNITY BANK OWATONNA — 2003
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 8,053,000 | 11,853,000 | 18,691,000 | 21,092,000 |
| Total loans | 2,376,000 | 4,696,000 | 7,207,000 | 9,780,000 |
| Allowance for loan losses | 33,000 | 75,000 | 97,000 | 139,000 |
| Securities available for sale | 0 | 4,766,000 | 8,773,000 | 9,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,103,000 | 7,988,000 | 14,981,000 | 17,216,000 |
| Interest-bearing deposits | 3,211,000 | 6,569,000 | 13,129,000 | 15,193,000 |
| Noninterest-bearing deposits | 892,000 | 1,419,000 | 1,852,000 | 2,023,000 |
| Equity capital | 3,946,000 | 3,846,000 | 3,666,000 | 3,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 33,000 | 136,000 | 310,000 | 508,000 |
| Interest expense | 11,000 | 44,000 | 112,000 | 200,000 |
| Net interest income | 22,000 | 92,000 | 198,000 | 308,000 |
| Noninterest income | 1,000 | 2,000 | -10,000 | 11,000 |
| Noninterest expense | 117,000 | 255,000 | 511,000 | 725,000 |
| Provision for loan losses | 33,000 | 75,000 | 97,000 | 139,000 |
| Pretax income | -127,000 | -236,000 | -420,000 | -545,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -127,000 | -236,000 | -420,000 | -545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,946,000 | 3,836,000 | 3,653,000 | 3,563,000 |
| Total capital | 3,979,000 | 3,911,000 | 3,750,000 | 3,702,000 |
| Risk-weighted assets | 3,539,000 | 6,642,000 | 9,722,000 | 12,512,000 |