Call reports 2012
COMMUNITY BANK OWATONNA — 2012
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 52,681,000 | 52,681,000 | 54,781,000 | 54,902,000 |
| Total loans | 30,943,000 | 30,392,000 | 31,542,000 | 31,955,000 |
| Allowance for loan losses | 405,000 | 356,000 | 349,000 | 327,000 |
| Securities available for sale | 18,238,000 | 18,687,000 | 19,556,000 | 18,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,536,000 | 45,826,000 | 47,728,000 | 48,830,000 |
| Interest-bearing deposits | 40,044,000 | 39,934,000 | 40,271,000 | 40,228,000 |
| Noninterest-bearing deposits | 6,492,000 | 5,892,000 | 7,457,000 | 8,602,000 |
| Equity capital | 5,025,000 | 5,280,000 | 5,342,000 | 5,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,253,000 | 1,895,000 | 2,595,000 |
| Interest expense | 150,000 | 289,000 | 422,000 | 544,000 |
| Net interest income | 462,000 | 964,000 | 1,473,000 | 2,051,000 |
| Noninterest income | 49,000 | 53,000 | 102,000 | 156,000 |
| Noninterest expense | 363,000 | 699,000 | 1,100,000 | 1,579,000 |
| Provision for loan losses | 60,000 | 100,000 | 140,000 | 200,000 |
| Pretax income | 146,000 | 276,000 | 393,000 | 486,000 |
| Income tax | 52,000 | 91,000 | 133,000 | 160,000 |
| Net income | 94,000 | 185,000 | 260,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,982,000 | 5,073,000 | 5,148,000 | 4,947,000 |
| Total capital | 5,387,000 | 5,429,000 | 5,497,000 | 5,274,000 |
| Risk-weighted assets | 33,552,000 | 32,318,000 | 33,478,000 | 34,167,000 |