Call reports 2016
COMMUNITY BANK OWATONNA — 2016
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 52,897,000 | 51,175,000 | 53,208,000 | 53,618,000 |
| Total loans | 32,431,000 | 33,668,000 | 36,820,000 | 37,465,000 |
| Allowance for loan losses | 376,000 | 388,000 | 400,000 | 378,000 |
| Securities available for sale | 11,848,000 | 9,933,000 | 9,080,000 | 8,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,846,000 | 44,986,000 | 45,925,000 | 46,664,000 |
| Interest-bearing deposits | 35,484,000 | 34,360,000 | 34,373,000 | 34,912,000 |
| Noninterest-bearing deposits | 11,362,000 | 10,626,000 | 11,552,000 | 11,752,000 |
| Equity capital | 5,331,000 | 5,486,000 | 5,532,000 | 5,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 522,000 | 1,041,000 | 1,563,000 | 2,097,000 |
| Interest expense | 62,000 | 123,000 | 181,000 | 239,000 |
| Net interest income | 460,000 | 918,000 | 1,382,000 | 1,858,000 |
| Noninterest income | 50,000 | 104,000 | 145,000 | 179,000 |
| Noninterest expense | 377,000 | 807,000 | 1,188,000 | 1,610,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 121,000 | 191,000 | 308,000 | 384,000 |
| Income tax | 39,000 | 55,000 | 89,000 | 106,000 |
| Net income | 82,000 | 136,000 | 219,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,248,000 | 5,302,000 | 5,385,000 | 5,253,000 |
| Total capital | 5,624,000 | 5,690,000 | 5,785,000 | 5,631,000 |
| Risk-weighted assets | 36,610,000 | 38,072,000 | 40,470,000 | 40,430,000 |