Call reports 2017
COMMUNITY BANK OWATONNA — 2017
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 51,976,000 | 52,426,000 | 53,927,000 | 55,491,000 |
| Total loans | 35,987,000 | 35,334,000 | 34,978,000 | 35,482,000 |
| Allowance for loan losses | 407,000 | 416,000 | 419,000 | 419,000 |
| Securities available for sale | 8,326,000 | 8,718,000 | 8,910,000 | 8,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,920,000 | 46,214,000 | 47,612,000 | 49,569,000 |
| Interest-bearing deposits | 34,533,000 | 35,000,000 | 35,894,000 | 37,559,000 |
| Noninterest-bearing deposits | 11,387,000 | 11,214,000 | 11,718,000 | 12,010,000 |
| Equity capital | 5,270,000 | 5,426,000 | 5,504,000 | 5,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,005,000 | 1,520,000 | 2,029,000 |
| Interest expense | 58,000 | 119,000 | 182,000 | 247,000 |
| Net interest income | 449,000 | 886,000 | 1,338,000 | 1,782,000 |
| Noninterest income | 47,000 | 96,000 | 151,000 | 168,000 |
| Noninterest expense | 379,000 | 729,000 | 1,094,000 | 1,486,000 |
| Provision for loan losses | 50,000 | 59,000 | 62,000 | 62,000 |
| Pretax income | 67,000 | 194,000 | 333,000 | 402,000 |
| Income tax | 14,000 | 55,000 | 97,000 | 244,000 |
| Net income | 53,000 | 139,000 | 236,000 | 158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,305,000 | 5,391,000 | 5,489,000 | 5,161,000 |
| Total capital | 5,712,000 | 5,807,000 | 5,908,000 | 5,580,000 |
| Risk-weighted assets | 39,288,000 | 38,924,000 | 38,756,000 | 39,047,000 |