Call reports 2018
COMMUNITY BANK OWATONNA — 2018
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 54,855,000 | 54,221,000 | 56,857,000 | 56,514,000 |
| Total loans | 35,784,000 | 36,774,000 | 38,222,000 | 39,563,000 |
| Allowance for loan losses | 436,000 | 410,000 | 417,000 | 424,000 |
| Securities available for sale | 9,066,000 | 9,009,000 | 8,626,000 | 8,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,953,000 | 45,764,000 | 50,821,000 | 50,541,000 |
| Interest-bearing deposits | 36,363,000 | 33,959,000 | 39,341,000 | 38,827,000 |
| Noninterest-bearing deposits | 12,590,000 | 11,805,000 | 11,480,000 | 11,714,000 |
| Equity capital | 5,084,000 | 5,117,000 | 5,154,000 | 5,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,040,000 | 1,602,000 | 2,178,000 |
| Interest expense | 63,000 | 127,000 | 213,000 | 323,000 |
| Net interest income | 458,000 | 913,000 | 1,389,000 | 1,855,000 |
| Noninterest income | 47,000 | 98,000 | 150,000 | 192,000 |
| Noninterest expense | 405,000 | 866,000 | 1,290,000 | 1,729,000 |
| Provision for loan losses | 17,000 | 37,000 | 45,000 | 53,000 |
| Pretax income | 83,000 | 108,000 | 204,000 | 265,000 |
| Income tax | 15,000 | 15,000 | 33,000 | 33,000 |
| Net income | 68,000 | 93,000 | 171,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,229,000 | 5,254,000 | 5,331,000 | 5,215,000 |
| Total capital | 5,665,000 | 5,664,000 | 5,748,000 | 5,639,000 |
| Risk-weighted assets | 39,541,000 | 41,417,000 | 43,088,000 | 43,886,000 |