Call reports 2004
FIRST NATIONAL BANK OF OSAKIS, THE — 2004
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,111,000 | 53,718,000 | 55,154,000 | 57,734,000 |
| Total loans | 36,061,000 | 36,218,000 | 38,011,000 | 39,660,000 |
| Allowance for loan losses | 475,000 | 475,000 | 500,000 | 500,000 |
| Securities available for sale | 12,181,000 | 11,118,000 | 13,029,000 | 13,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,168,000 | 44,585,000 | 45,198,000 | 47,514,000 |
| Interest-bearing deposits | 39,810,000 | 40,074,000 | 40,294,000 | 41,978,000 |
| Noninterest-bearing deposits | 4,358,000 | 4,511,000 | 4,904,000 | 5,536,000 |
| Equity capital | 6,138,000 | 5,959,000 | 6,260,000 | 6,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 1,492,000 | 2,281,000 | 3,079,000 |
| Interest expense | 218,000 | 433,000 | 665,000 | 912,000 |
| Net interest income | 546,000 | 1,059,000 | 1,616,000 | 2,167,000 |
| Noninterest income | 70,000 | 138,000 | 193,000 | 286,000 |
| Noninterest expense | 335,000 | 642,000 | 945,000 | 1,341,000 |
| Provision for loan losses | 1,000 | 41,000 | 65,000 | 69,000 |
| Pretax income | 280,000 | 514,000 | 799,000 | 1,043,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 280,000 | 514,000 | 799,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,858,000 | 5,942,000 | 6,077,000 | 5,969,000 |
| Total capital | 6,287,000 | 6,380,000 | 6,534,000 | 6,442,000 |
| Risk-weighted assets | 34,302,000 | 35,016,000 | 36,522,000 | 37,830,000 |