Call reports 2019
COMMUNITY BANK OWATONNA — 2019
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 57,190,000 | 58,678,000 | 59,443,000 | 60,769,000 |
| Total loans | 40,445,000 | 42,960,000 | 42,749,000 | 43,383,000 |
| Allowance for loan losses | 438,000 | 452,000 | 466,000 | 446,000 |
| Securities available for sale | 8,196,000 | 7,824,000 | 7,934,000 | 8,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,041,000 | 52,369,000 | 52,992,000 | 54,421,000 |
| Interest-bearing deposits | 39,278,000 | 41,187,000 | 40,924,000 | 43,077,000 |
| Noninterest-bearing deposits | 11,763,000 | 11,182,000 | 12,068,000 | 11,344,000 |
| Equity capital | 5,260,000 | 5,398,000 | 5,504,000 | 5,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 585,000 | 1,232,000 | 1,881,000 | 2,535,000 |
| Interest expense | 119,000 | 244,000 | 376,000 | 505,000 |
| Net interest income | 466,000 | 988,000 | 1,505,000 | 2,030,000 |
| Noninterest income | 60,000 | 154,000 | 220,000 | 289,000 |
| Noninterest expense | 453,000 | 934,000 | 1,405,000 | 1,889,000 |
| Provision for loan losses | 14,000 | 28,000 | 42,000 | 61,000 |
| Pretax income | 59,000 | 217,000 | 315,000 | 430,000 |
| Income tax | 9,000 | 47,000 | 70,000 | 101,000 |
| Net income | 50,000 | 170,000 | 245,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,265,000 | 5,385,000 | 5,460,000 | 5,417,000 |
| Total capital | 5,703,000 | 5,837,000 | 5,926,000 | 5,863,000 |
| Risk-weighted assets | 44,449,000 | 46,017,000 | 45,306,000 | 46,382,000 |