Call reports 2023
COMMUNITY BANK OWATONNA — 2023
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 89,572,000 | 88,329,000 | 90,640,000 | 92,382,000 |
| Total loans | 55,145,000 | 58,180,000 | 58,524,000 | 63,431,000 |
| Allowance for loan losses | 579,000 | 594,000 | 609,000 | 624,000 |
| Securities available for sale | 21,127,000 | 21,194,000 | 20,508,000 | 20,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,759,000 | 82,155,000 | 84,539,000 | 85,683,000 |
| Interest-bearing deposits | 67,529,000 | 66,366,000 | 67,159,000 | 69,464,000 |
| Noninterest-bearing deposits | 16,230,000 | 15,789,000 | 17,380,000 | 16,219,000 |
| Equity capital | 4,713,000 | 5,057,000 | 4,856,000 | 5,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,701,000 | 2,652,000 | 3,648,000 |
| Interest expense | 261,000 | 577,000 | 969,000 | 1,404,000 |
| Net interest income | 549,000 | 1,124,000 | 1,683,000 | 2,244,000 |
| Noninterest income | 49,000 | 102,000 | 156,000 | 213,000 |
| Noninterest expense | 490,000 | 967,000 | 1,451,000 | 1,911,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 93,000 | 229,000 | 343,000 | 458,000 |
| Income tax | 12,000 | 45,000 | 72,000 | 105,000 |
| Net income | 81,000 | 184,000 | 271,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,992,000 | 7,095,000 | 7,282,000 | 7,164,000 |
| Total capital | 7,571,000 | 7,689,000 | 7,891,000 | 7,788,000 |
| Risk-weighted assets | 66,177,000 | 62,084,000 | 63,097,000 | 66,261,000 |