Call reports 2024
COMMUNITY BANK OWATONNA — 2024
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 92,464,000 | 89,509,000 | 93,051,000 | 93,090,000 |
| Total loans | 61,394,000 | 62,117,000 | 63,501,000 | 63,651,000 |
| Allowance for loan losses | 639,000 | 663,000 | 449,000 | 592,000 |
| Securities available for sale | 20,097,000 | 19,916,000 | 20,455,000 | 21,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,802,000 | 82,282,000 | 85,800,000 | 86,330,000 |
| Interest-bearing deposits | 70,775,000 | 68,332,000 | 71,046,000 | 71,011,000 |
| Noninterest-bearing deposits | 15,027,000 | 13,950,000 | 14,754,000 | 15,319,000 |
| Equity capital | 5,439,000 | 5,439,000 | 5,946,000 | 5,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 2,018,000 | 3,116,000 | 4,216,000 |
| Interest expense | 486,000 | 1,003,000 | 1,532,000 | 2,076,000 |
| Net interest income | 516,000 | 1,015,000 | 1,584,000 | 2,140,000 |
| Noninterest income | 57,000 | 119,000 | 182,000 | 245,000 |
| Noninterest expense | 502,000 | 1,011,000 | 1,514,000 | 2,040,000 |
| Provision for loan losses | 15,000 | 40,000 | 151,000 | 331,000 |
| Pretax income | 56,000 | 83,000 | 101,000 | 14,000 |
| Income tax | 10,000 | 12,000 | 15,000 | -13,000 |
| Net income | 46,000 | 71,000 | 86,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,210,000 | 7,235,000 | 7,250,000 | 7,191,000 |
| Total capital | 7,849,000 | 7,899,000 | 7,700,000 | 7,784,000 |
| Risk-weighted assets | 60,194,000 | 61,720,000 | 65,629,000 | 66,022,000 |