Call reports 2022
COMMUNITY BANK OWATONNA — 2022
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 78,749,000 | 80,489,000 | 81,434,000 | 85,343,000 |
| Total loans | 49,625,000 | 52,719,000 | 54,693,000 | 57,090,000 |
| Allowance for loan losses | 519,000 | 534,000 | 549,000 | 564,000 |
| Securities available for sale | 20,319,000 | 19,168,000 | 18,016,000 | 18,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,247,000 | 74,470,000 | 75,951,000 | 79,687,000 |
| Interest-bearing deposits | 54,453,000 | 56,571,000 | 59,795,000 | 63,977,000 |
| Noninterest-bearing deposits | 17,794,000 | 17,900,000 | 16,156,000 | 15,710,000 |
| Equity capital | 5,503,000 | 4,998,000 | 4,414,000 | 4,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,265,000 | 1,972,000 | 2,714,000 |
| Interest expense | 75,000 | 140,000 | 255,000 | 415,000 |
| Net interest income | 533,000 | 1,125,000 | 1,717,000 | 2,299,000 |
| Noninterest income | 51,000 | 105,000 | 157,000 | 210,000 |
| Noninterest expense | 473,000 | 948,000 | 1,429,000 | 1,881,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 96,000 | 252,000 | 400,000 | 568,000 |
| Income tax | 22,000 | 59,000 | 95,000 | 143,000 |
| Net income | 74,000 | 193,000 | 305,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,759,000 | 6,878,000 | 6,990,000 | 6,911,000 |
| Total capital | 7,278,000 | 7,412,000 | 7,539,000 | 7,475,000 |
| Risk-weighted assets | 55,145,000 | 54,759,000 | 51,956,000 | 60,979,000 |