Call reports 2007
COMMUNITY BANK OWATONNA — 2007
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 42,984,000 | 42,829,000 | 42,992,000 | 50,107,000 |
| Total loans | 28,536,000 | 28,181,000 | 28,833,000 | 33,554,000 |
| Allowance for loan losses | 329,000 | 301,000 | 319,000 | 321,000 |
| Securities available for sale | 9,431,000 | 10,551,000 | 11,266,000 | 13,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,549,000 | 38,416,000 | 38,405,000 | 43,145,000 |
| Interest-bearing deposits | 33,147,000 | 33,294,000 | 33,766,000 | 38,208,000 |
| Noninterest-bearing deposits | 5,402,000 | 5,122,000 | 4,639,000 | 4,937,000 |
| Equity capital | 4,058,000 | 4,080,000 | 4,220,000 | 4,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 664,000 | 1,369,000 | 2,083,000 | 2,839,000 |
| Interest expense | 337,000 | 699,000 | 1,057,000 | 1,442,000 |
| Net interest income | 327,000 | 670,000 | 1,026,000 | 1,397,000 |
| Noninterest income | 43,000 | 83,000 | 130,000 | 182,000 |
| Noninterest expense | 258,000 | 543,000 | 815,000 | 1,104,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 97,000 | 180,000 | 296,000 | 415,000 |
| Income tax | 38,000 | 68,000 | 112,000 | 153,000 |
| Net income | 59,000 | 112,000 | 184,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,026,000 | 4,120,000 | 4,230,000 | 4,368,000 |
| Total capital | 4,355,000 | 4,421,000 | 4,549,000 | 4,689,000 |
| Risk-weighted assets | 32,424,000 | 31,664,000 | 32,205,000 | 37,598,000 |