Call reports 2008
COMMUNITY BANK OWATONNA — 2008
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 50,836,000 | 50,443,000 | 49,614,000 | 50,799,000 |
| Total loans | 32,478,000 | 35,200,000 | 37,430,000 | 37,867,000 |
| Allowance for loan losses | 351,000 | 379,000 | 351,000 | 429,000 |
| Securities available for sale | 15,241,000 | 11,560,000 | 8,979,000 | 9,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,044,000 | 39,889,000 | 44,369,000 | 45,543,000 |
| Interest-bearing deposits | 38,229,000 | 35,630,000 | 39,949,000 | 39,560,000 |
| Noninterest-bearing deposits | 3,815,000 | 4,259,000 | 4,420,000 | 5,983,000 |
| Equity capital | 4,560,000 | 4,458,000 | 4,594,000 | 4,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,552,000 | 2,350,000 | 3,093,000 |
| Interest expense | 408,000 | 793,000 | 1,162,000 | 1,499,000 |
| Net interest income | 381,000 | 759,000 | 1,188,000 | 1,594,000 |
| Noninterest income | 46,000 | 86,000 | 131,000 | 188,000 |
| Noninterest expense | 294,000 | 598,000 | 912,000 | 1,251,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 280,000 |
| Pretax income | 103,000 | 187,000 | 302,000 | 251,000 |
| Income tax | 44,000 | 74,000 | 63,000 | 82,000 |
| Net income | 59,000 | 113,000 | 239,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,427,000 | 4,482,000 | 4,607,000 | 4,537,000 |
| Total capital | 4,778,000 | 4,861,000 | 4,958,000 | 4,966,000 |
| Risk-weighted assets | 37,094,000 | 38,531,000 | 39,253,000 | 40,626,000 |