Call reports 2021
COMMUNITY BANK OWATONNA — 2021
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 74,756,000 | 76,387,000 | 77,278,000 | 77,077,000 |
| Total loans | 45,174,000 | 43,960,000 | 43,778,000 | 47,487,000 |
| Allowance for loan losses | 484,000 | 499,000 | 504,000 | 504,000 |
| Securities available for sale | 18,997,000 | 18,792,000 | 22,745,000 | 22,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,862,000 | 69,222,000 | 69,287,000 | 69,421,000 |
| Interest-bearing deposits | 49,105,000 | 49,890,000 | 50,342,000 | 51,481,000 |
| Noninterest-bearing deposits | 18,758,000 | 19,332,000 | 18,945,000 | 17,940,000 |
| Equity capital | 5,770,000 | 6,010,000 | 6,849,000 | 6,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,342,000 | 2,048,000 | 2,625,000 |
| Interest expense | 120,000 | 198,000 | 282,000 | 346,000 |
| Net interest income | 606,000 | 1,144,000 | 1,766,000 | 2,279,000 |
| Noninterest income | 50,000 | 99,000 | 144,000 | 332,000 |
| Noninterest expense | 464,000 | 806,000 | 1,374,000 | 1,814,000 |
| Provision for loan losses | 15,000 | 30,000 | 35,000 | 35,000 |
| Pretax income | 177,000 | 404,000 | 498,000 | 798,000 |
| Income tax | 44,000 | 104,000 | 123,000 | 209,000 |
| Net income | 133,000 | 300,000 | 375,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,730,000 | 5,897,000 | 6,772,000 | 6,686,000 |
| Total capital | 6,214,000 | 6,396,000 | 7,276,000 | 7,190,000 |
| Risk-weighted assets | 48,341,000 | 50,650,000 | 48,118,000 | 51,107,000 |