Call reports 2025
COMMUNITY BANK OWATONNA — 2025
What COMMUNITY BANK OWATONNA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 94,748,000 | 94,030,000 | 95,435,000 | 98,369,000 |
| Total loans | 65,993,000 | 65,197,000 | 66,555,000 | 72,018,000 |
| Allowance for loan losses | 560,000 | 589,000 | 634,000 | 669,000 |
| Securities available for sale | 20,774,000 | 21,217,000 | 20,980,000 | 19,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,231,000 | 86,369,000 | 87,567,000 | 90,349,000 |
| Interest-bearing deposits | 71,679,000 | 71,675,000 | 72,044,000 | 74,026,000 |
| Noninterest-bearing deposits | 15,552,000 | 14,694,000 | 15,523,000 | 16,323,000 |
| Equity capital | 5,773,000 | 6,041,000 | 6,061,000 | 6,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,140,000 | 2,336,000 | 3,562,000 | 4,888,000 |
| Interest expense | 520,000 | 1,033,000 | 1,552,000 | 2,065,000 |
| Net interest income | 620,000 | 1,303,000 | 2,010,000 | 2,823,000 |
| Noninterest income | 61,000 | 124,000 | 306,000 | 368,000 |
| Noninterest expense | 539,000 | 1,102,000 | 1,663,000 | 2,210,000 |
| Provision for loan losses | 43,000 | 72,000 | 117,000 | 152,000 |
| Pretax income | 99,000 | 249,000 | 531,000 | 816,000 |
| Income tax | 23,000 | 61,000 | 137,000 | 215,000 |
| Net income | 76,000 | 188,000 | 394,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,266,000 | 7,379,000 | 7,235,000 | 7,842,000 |
| Total capital | 7,826,000 | 7,972,000 | 7,874,000 | 8,516,000 |
| Risk-weighted assets | 68,225,000 | 67,799,000 | 68,546,000 | 72,151,000 |