Call reports 2003
FIRST NATIONAL BANK OF OSAKIS, THE — 2003
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 52,869,000 | 54,276,000 | 54,435,000 | 54,092,000 |
| Total loans | 34,634,000 | 37,193,000 | 37,058,000 | 36,281,000 |
| Allowance for loan losses | 400,000 | 425,000 | 450,000 | 475,000 |
| Securities available for sale | 12,710,000 | 12,477,000 | 12,352,000 | 12,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,966,000 | 43,534,000 | 45,169,000 | 45,311,000 |
| Interest-bearing deposits | 39,565,000 | 38,561,000 | 39,935,000 | 40,380,000 |
| Noninterest-bearing deposits | 4,401,000 | 4,973,000 | 5,234,000 | 4,931,000 |
| Equity capital | 5,920,000 | 6,172,000 | 6,191,000 | 5,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 806,000 | 1,614,000 | 2,434,000 | 3,222,000 |
| Interest expense | 263,000 | 517,000 | 755,000 | 984,000 |
| Net interest income | 543,000 | 1,097,000 | 1,679,000 | 2,238,000 |
| Noninterest income | 74,000 | 156,000 | 216,000 | 282,000 |
| Noninterest expense | 270,000 | 567,000 | 883,000 | 1,317,000 |
| Provision for loan losses | 45,000 | 78,000 | 45,000 | 95,000 |
| Pretax income | 302,000 | 608,000 | 967,000 | 1,108,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 302,000 | 608,000 | 967,000 | 1,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,622,000 | 5,778,000 | 5,987,000 | 5,728,000 |
| Total capital | 6,022,000 | 6,203,000 | 6,433,000 | 6,160,000 |
| Risk-weighted assets | 32,987,000 | 35,842,000 | 35,711,000 | 34,488,000 |