Call reports 2013
COMMUNITY BANK OWATONNA — 2013
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 53,325,000 | 52,958,000 | 53,392,000 | 53,122,000 |
| Total loans | 30,483,000 | 30,354,000 | 31,332,000 | 32,512,000 |
| Allowance for loan losses | 332,000 | 359,000 | 322,000 | 337,000 |
| Securities available for sale | 16,514,000 | 17,195,000 | 17,996,000 | 17,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,715,000 | 47,800,000 | 46,851,000 | 48,118,000 |
| Interest-bearing deposits | 39,930,000 | 40,054,000 | 38,325,000 | 40,139,000 |
| Noninterest-bearing deposits | 7,785,000 | 7,746,000 | 8,526,000 | 7,979,000 |
| Equity capital | 5,148,000 | 4,627,000 | 4,593,000 | 4,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 619,000 | 1,230,000 | 1,844,000 | 2,424,000 |
| Interest expense | 103,000 | 200,000 | 291,000 | 378,000 |
| Net interest income | 516,000 | 1,030,000 | 1,553,000 | 2,046,000 |
| Noninterest income | 27,000 | 80,000 | 123,000 | 167,000 |
| Noninterest expense | 388,000 | 751,000 | 1,127,000 | 1,537,000 |
| Provision for loan losses | 10,000 | 40,000 | 60,000 | 75,000 |
| Pretax income | 145,000 | 375,000 | 545,000 | 663,000 |
| Income tax | 53,000 | 134,000 | 191,000 | 229,000 |
| Net income | 92,000 | 241,000 | 354,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,040,000 | 5,188,000 | 5,301,000 | 5,105,000 |
| Total capital | 5,372,000 | 5,547,000 | 5,623,000 | 5,442,000 |
| Risk-weighted assets | 32,329,000 | 32,662,000 | 33,169,000 | 38,243,000 |