Call reports 2020
COMMUNITY BANK OWATONNA — 2020
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 63,427,000 | 69,989,000 | 70,684,000 | 71,068,000 |
| Total loans | 42,634,000 | 46,374,000 | 45,928,000 | 46,505,000 |
| Allowance for loan losses | 404,000 | 484,000 | 484,000 | 469,000 |
| Securities available for sale | 10,807,000 | 12,731,000 | 14,623,000 | 15,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,898,000 | 63,230,000 | 63,769,000 | 64,099,000 |
| Interest-bearing deposits | 44,146,000 | 47,778,000 | 46,659,000 | 47,096,000 |
| Noninterest-bearing deposits | 12,752,000 | 15,452,000 | 17,110,000 | 17,003,000 |
| Equity capital | 5,558,000 | 5,747,000 | 5,877,000 | 5,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,429,000 | 2,087,000 | 2,731,000 |
| Interest expense | 130,000 | 255,000 | 371,000 | 477,000 |
| Net interest income | 516,000 | 1,174,000 | 1,716,000 | 2,254,000 |
| Noninterest income | 68,000 | 114,000 | 163,000 | 220,000 |
| Noninterest expense | 449,000 | 973,000 | 1,496,000 | 1,940,000 |
| Provision for loan losses | 20,000 | 100,000 | 100,000 | 125,000 |
| Pretax income | 128,000 | 295,000 | 376,000 | 502,000 |
| Income tax | 33,000 | 70,000 | 96,000 | 122,000 |
| Net income | 95,000 | 225,000 | 280,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,511,000 | 5,641,000 | 5,697,000 | 5,597,000 |
| Total capital | 5,915,000 | 6,125,000 | 6,181,000 | 6,066,000 |
| Risk-weighted assets | 46,963,000 | 48,252,000 | 48,003,000 | 51,451,000 |