Call reports 2014
COMMUNITY BANK OWATONNA — 2014
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 54,396,000 | 52,702,000 | 53,434,000 | 53,352,000 |
| Total loans | 32,147,000 | 31,456,000 | 30,429,000 | 29,761,000 |
| Allowance for loan losses | 359,000 | 374,000 | 406,000 | 406,000 |
| Securities available for sale | 17,609,000 | 17,358,000 | 17,184,000 | 17,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,290,000 | 47,151,000 | 47,822,000 | 47,776,000 |
| Interest-bearing deposits | 39,342,000 | 38,134,000 | 38,557,000 | 33,489,000 |
| Noninterest-bearing deposits | 8,948,000 | 9,017,000 | 9,265,000 | 14,287,000 |
| Equity capital | 4,488,000 | 4,871,000 | 5,044,000 | 4,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 574,000 | 1,151,000 | 1,710,000 | 2,265,000 |
| Interest expense | 79,000 | 157,000 | 233,000 | 308,000 |
| Net interest income | 495,000 | 994,000 | 1,477,000 | 1,957,000 |
| Noninterest income | 46,000 | 94,000 | 145,000 | 195,000 |
| Noninterest expense | 399,000 | 774,000 | 1,166,000 | 1,638,000 |
| Provision for loan losses | 22,000 | 37,000 | 37,000 | 37,000 |
| Pretax income | 120,000 | 274,000 | 413,000 | 471,000 |
| Income tax | 38,000 | 88,000 | 134,000 | 154,000 |
| Net income | 82,000 | 186,000 | 279,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,188,000 | 5,292,000 | 5,384,000 | 5,096,000 |
| Total capital | 5,547,000 | 5,666,000 | 5,790,000 | 5,502,000 |
| Risk-weighted assets | 38,110,000 | 37,468,000 | 36,842,000 | 35,581,000 |