Call reports 2011
COMMUNITY BANK OWATONNA — 2011
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 53,560,000 | 55,354,000 | 54,679,000 | 52,506,000 |
| Total loans | 37,394,000 | 34,699,000 | 33,314,000 | 32,910,000 |
| Allowance for loan losses | 454,000 | 437,000 | 402,000 | 374,000 |
| Securities available for sale | 12,466,000 | 16,852,000 | 13,867,000 | 15,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,010,000 | 48,953,000 | 48,862,000 | 46,976,000 |
| Interest-bearing deposits | 42,184,000 | 43,178,000 | 42,600,000 | 40,468,000 |
| Noninterest-bearing deposits | 5,826,000 | 5,775,000 | 6,262,000 | 6,508,000 |
| Equity capital | 4,730,000 | 5,056,000 | 5,217,000 | 4,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,386,000 | 2,072,000 | 2,739,000 |
| Interest expense | 203,000 | 395,000 | 578,000 | 748,000 |
| Net interest income | 491,000 | 991,000 | 1,494,000 | 1,991,000 |
| Noninterest income | 57,000 | 111,000 | 136,000 | 184,000 |
| Noninterest expense | 395,000 | 752,000 | 1,102,000 | 1,474,000 |
| Provision for loan losses | 38,000 | 98,000 | 128,000 | 328,000 |
| Pretax income | 115,000 | 252,000 | 400,000 | 422,000 |
| Income tax | 34,000 | 75,000 | 126,000 | 146,000 |
| Net income | 81,000 | 177,000 | 274,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,863,000 | 4,959,000 | 5,056,000 | 4,888,000 |
| Total capital | 5,317,000 | 5,396,000 | 5,458,000 | 5,262,000 |
| Risk-weighted assets | 38,416,000 | 36,752,000 | 35,124,000 | 34,274,000 |