Call reports 2004
COMMUNITY BANK OWATONNA — 2004
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 23,329,000 | 24,207,000 | 26,711,000 | 29,326,000 |
| Total loans | 12,753,000 | 13,630,000 | 15,309,000 | 18,898,000 |
| Allowance for loan losses | 167,000 | 179,000 | 190,000 | 216,000 |
| Securities available for sale | 7,269,000 | 7,056,000 | 7,177,000 | 7,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,488,000 | 20,523,000 | 22,952,000 | 24,382,000 |
| Interest-bearing deposits | 17,721,000 | 18,628,000 | 19,708,000 | 19,701,000 |
| Noninterest-bearing deposits | 1,767,000 | 1,895,000 | 3,244,000 | 4,681,000 |
| Equity capital | 3,770,000 | 3,627,000 | 3,700,000 | 3,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 254,000 | 507,000 | 794,000 | 1,124,000 |
| Interest expense | 90,000 | 181,000 | 284,000 | 395,000 |
| Net interest income | 164,000 | 326,000 | 510,000 | 729,000 |
| Noninterest income | 26,000 | 52,000 | 82,000 | 111,000 |
| Noninterest expense | 213,000 | 421,000 | 632,000 | 857,000 |
| Provision for loan losses | 28,000 | 40,000 | 51,000 | 77,000 |
| Pretax income | -51,000 | -83,000 | -91,000 | -94,000 |
| Income tax | -246,000 | -262,000 | -271,000 | -270,000 |
| Net income | 195,000 | 179,000 | 180,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,521,000 | 3,403,000 | 3,443,000 | 3,469,000 |
| Total capital | 3,688,000 | 3,582,000 | 3,633,000 | 3,685,000 |
| Risk-weighted assets | 15,730,000 | 17,229,000 | 18,636,000 | 22,117,000 |