Call reports 2009
COMMUNITY BANK OWATONNA — 2009
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,996,000 | 49,116,000 | 54,594,000 | 53,349,000 |
| Total loans | 38,793,000 | 38,979,000 | 40,852,000 | 40,871,000 |
| Allowance for loan losses | 440,000 | 452,000 | 493,000 | 407,000 |
| Securities available for sale | 8,594,000 | 6,510,000 | 9,506,000 | 5,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,628,000 | 43,777,000 | 45,555,000 | 48,378,000 |
| Interest-bearing deposits | 39,239,000 | 39,564,000 | 40,363,000 | 42,922,000 |
| Noninterest-bearing deposits | 4,389,000 | 4,213,000 | 5,192,000 | 5,456,000 |
| Equity capital | 4,656,000 | 4,656,000 | 4,704,000 | 4,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,469,000 | 2,200,000 | 2,957,000 |
| Interest expense | 318,000 | 620,000 | 908,000 | 1,200,000 |
| Net interest income | 425,000 | 849,000 | 1,292,000 | 1,757,000 |
| Noninterest income | 27,000 | 54,000 | 86,000 | 115,000 |
| Noninterest expense | 331,000 | 698,000 | 1,055,000 | 1,417,000 |
| Provision for loan losses | 15,000 | 30,000 | 71,000 | 457,000 |
| Pretax income | 106,000 | 175,000 | 252,000 | -2,000 |
| Income tax | 43,000 | 62,000 | 89,000 | -20,000 |
| Net income | 63,000 | 113,000 | 163,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,600,000 | 4,650,000 | 4,700,000 | 4,702,000 |
| Total capital | 5,040,000 | 5,102,000 | 5,193,000 | 5,109,000 |
| Risk-weighted assets | 40,601,000 | 40,383,000 | 42,136,000 | 41,934,000 |