Call reports 2005
COMMUNITY BANK OWATONNA — 2005
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 29,996,000 | 33,881,000 | 33,830,000 | 34,476,000 |
| Total loans | 19,126,000 | 21,426,000 | 22,302,000 | 23,965,000 |
| Allowance for loan losses | 233,000 | 245,000 | 256,000 | 268,000 |
| Securities available for sale | 7,011,000 | 7,101,000 | 7,045,000 | 7,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,218,000 | 30,001,000 | 29,897,000 | 29,337,000 |
| Interest-bearing deposits | 22,529,000 | 24,744,000 | 25,004,000 | 25,328,000 |
| Noninterest-bearing deposits | 3,690,000 | 5,257,000 | 4,893,000 | 4,009,000 |
| Equity capital | 3,660,000 | 3,723,000 | 3,759,000 | 3,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 359,000 | 760,000 | 1,206,000 | 1,673,000 |
| Interest expense | 131,000 | 284,000 | 464,000 | 661,000 |
| Net interest income | 228,000 | 476,000 | 742,000 | 1,012,000 |
| Noninterest income | 31,000 | 59,000 | 94,000 | 130,000 |
| Noninterest expense | 227,000 | 476,000 | 704,000 | 960,000 |
| Provision for loan losses | 16,000 | 28,000 | 40,000 | 52,000 |
| Pretax income | 16,000 | 31,000 | 92,000 | 130,000 |
| Income tax | 0 | 6,000 | 27,000 | 39,000 |
| Net income | 16,000 | 25,000 | 65,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,535,000 | 3,552,000 | 3,666,000 | 3,729,000 |
| Total capital | 3,768,000 | 3,797,000 | 3,922,000 | 3,997,000 |
| Risk-weighted assets | 22,193,000 | 25,113,000 | 24,405,000 | 26,667,000 |