Call reports 2006
COMMUNITY BANK OWATONNA — 2006
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 39,424,000 | 38,509,000 | 43,546,000 | 43,156,000 |
| Total loans | 25,258,000 | 26,622,000 | 27,524,000 | 28,570,000 |
| Allowance for loan losses | 280,000 | 294,000 | 313,000 | 337,000 |
| Securities available for sale | 7,525,000 | 8,659,000 | 11,026,000 | 9,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,377,000 | 34,350,000 | 39,254,000 | 38,711,000 |
| Interest-bearing deposits | 29,660,000 | 30,194,000 | 34,150,000 | 34,508,000 |
| Noninterest-bearing deposits | 5,717,000 | 4,156,000 | 5,104,000 | 4,203,000 |
| Equity capital | 3,812,000 | 3,819,000 | 3,921,000 | 3,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 1,034,000 | 1,646,000 | 2,318,000 |
| Interest expense | 241,000 | 512,000 | 833,000 | 1,194,000 |
| Net interest income | 241,000 | 522,000 | 813,000 | 1,124,000 |
| Noninterest income | 33,000 | 71,000 | 110,000 | 155,000 |
| Noninterest expense | 240,000 | 507,000 | 776,000 | 1,051,000 |
| Provision for loan losses | 12,000 | 26,000 | 47,000 | 71,000 |
| Pretax income | 22,000 | 60,000 | 100,000 | 157,000 |
| Income tax | -2,000 | 12,000 | 19,000 | 43,000 |
| Net income | 24,000 | 48,000 | 81,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,768,000 | 3,825,000 | 3,871,000 | 3,912,000 |
| Total capital | 4,048,000 | 4,119,000 | 4,184,000 | 4,249,000 |
| Risk-weighted assets | 29,441,000 | 30,119,000 | 31,741,000 | 32,191,000 |