Call reports 2015
COMMUNITY BANK OWATONNA — 2015
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 54,524,000 | 51,753,000 | 53,019,000 | 55,141,000 |
| Total loans | 29,753,000 | 30,572,000 | 30,850,000 | 31,733,000 |
| Allowance for loan losses | 383,000 | 388,000 | 366,000 | 366,000 |
| Securities available for sale | 17,018,000 | 17,353,000 | 17,307,000 | 15,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,685,000 | 46,090,000 | 47,084,000 | 49,293,000 |
| Interest-bearing deposits | 37,594,000 | 35,265,000 | 34,994,000 | 36,943,000 |
| Noninterest-bearing deposits | 11,091,000 | 10,825,000 | 12,090,000 | 12,350,000 |
| Equity capital | 5,250,000 | 5,054,000 | 5,287,000 | 5,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 522,000 | 1,046,000 | 1,596,000 | 2,126,000 |
| Interest expense | 70,000 | 137,000 | 202,000 | 265,000 |
| Net interest income | 452,000 | 909,000 | 1,394,000 | 1,861,000 |
| Noninterest income | 43,000 | 79,000 | 77,000 | 110,000 |
| Noninterest expense | 384,000 | 770,000 | 1,160,000 | 1,590,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 96,000 | 198,000 | 291,000 | 361,000 |
| Income tax | 30,000 | 61,000 | 90,000 | 104,000 |
| Net income | 66,000 | 137,000 | 201,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,163,000 | 5,233,000 | 5,297,000 | 5,165,000 |
| Total capital | 5,546,000 | 5,621,000 | 5,663,000 | 5,531,000 |
| Risk-weighted assets | 35,284,000 | 36,324,000 | 36,867,000 | 37,273,000 |