Call reports 2010
COMMUNITY BANK OWATONNA — 2010
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 53,415,000 | 53,995,000 | 53,388,000 | 53,477,000 |
| Total loans | 38,934,000 | 37,727,000 | 37,674,000 | 38,446,000 |
| Allowance for loan losses | 451,000 | 472,000 | 475,000 | 474,000 |
| Securities available for sale | 7,204,000 | 10,516,000 | 10,430,000 | 11,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,353,000 | 48,645,000 | 47,932,000 | 48,383,000 |
| Interest-bearing deposits | 43,024,000 | 43,435,000 | 42,825,000 | 43,207,000 |
| Noninterest-bearing deposits | 5,329,000 | 5,210,000 | 5,107,000 | 5,176,000 |
| Equity capital | 4,707,000 | 4,902,000 | 4,977,000 | 4,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 711,000 | 1,434,000 | 2,160,000 | 2,803,000 |
| Interest expense | 264,000 | 515,000 | 753,000 | 978,000 |
| Net interest income | 447,000 | 919,000 | 1,407,000 | 1,825,000 |
| Noninterest income | 33,000 | 67,000 | 97,000 | 230,000 |
| Noninterest expense | 382,000 | 745,000 | 1,108,000 | 1,469,000 |
| Provision for loan losses | 45,000 | 70,000 | 125,000 | 202,000 |
| Pretax income | 53,000 | 171,000 | 271,000 | 384,000 |
| Income tax | 23,000 | 58,000 | 92,000 | 134,000 |
| Net income | 30,000 | 113,000 | 179,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,718,000 | 4,815,000 | 4,881,000 | 4,782,000 |
| Total capital | 5,169,000 | 5,287,000 | 5,356,000 | 5,256,000 |
| Risk-weighted assets | 40,158,000 | 38,904,000 | 38,417,000 | 38,804,000 |