Call reports 2002
FIRST NATIONAL BANK OF OSAKIS, THE — 2002
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 49,734,000 | 50,522,000 | 51,912,000 | 52,458,000 |
| Total loans | 33,115,000 | 32,672,000 | 31,839,000 | 33,807,000 |
| Allowance for loan losses | 350,000 | 375,000 | 375,000 | 400,000 |
| Securities available for sale | 12,927,000 | 13,707,000 | 15,411,000 | 14,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,467,000 | 42,432,000 | 43,488,000 | 44,047,000 |
| Interest-bearing deposits | 37,682,000 | 38,187,000 | 38,773,000 | 38,711,000 |
| Noninterest-bearing deposits | 3,785,000 | 4,245,000 | 4,715,000 | 5,336,000 |
| Equity capital | 5,322,000 | 5,543,000 | 5,855,000 | 5,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 861,000 | 1,713,000 | 2,587,000 | 3,428,000 |
| Interest expense | 334,000 | 658,000 | 968,000 | 1,254,000 |
| Net interest income | 527,000 | 1,055,000 | 1,619,000 | 2,174,000 |
| Noninterest income | 65,000 | 128,000 | 218,000 | 288,000 |
| Noninterest expense | 267,000 | 549,000 | 826,000 | 1,253,000 |
| Provision for loan losses | 5,000 | 70,000 | 84,000 | 116,000 |
| Pretax income | 320,000 | 564,000 | 927,000 | 1,093,000 |
| Income tax | 12,000 | 14,000 | 19,000 | 23,000 |
| Net income | 308,000 | 550,000 | 908,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,158,000 | 5,251,000 | 5,458,000 | 5,470,000 |
| Total capital | 5,508,000 | 5,626,000 | 5,833,000 | 5,870,000 |
| Risk-weighted assets | 32,758,000 | 32,391,000 | 32,331,000 | 33,734,000 |