Call reports 2005
FIRST NATIONAL BANK OF OSAKIS, THE — 2005
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 56,526,000 | 57,665,000 | 59,436,000 | 57,801,000 |
| Total loans | 39,470,000 | 42,010,000 | 42,677,000 | 42,473,000 |
| Allowance for loan losses | 502,000 | 500,000 | 506,000 | 525,000 |
| Securities available for sale | 12,156,000 | 11,798,000 | 11,372,000 | 11,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,495,000 | 47,359,000 | 49,019,000 | 47,808,000 |
| Interest-bearing deposits | 41,828,000 | 42,729,000 | 43,034,000 | 42,762,000 |
| Noninterest-bearing deposits | 4,667,000 | 4,630,000 | 5,985,000 | 5,046,000 |
| Equity capital | 6,111,000 | 6,358,000 | 6,439,000 | 6,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 795,000 | 1,651,000 | 2,519,000 | 3,447,000 |
| Interest expense | 277,000 | 574,000 | 890,000 | 1,232,000 |
| Net interest income | 518,000 | 1,077,000 | 1,629,000 | 2,215,000 |
| Noninterest income | 66,000 | 121,000 | 171,000 | 232,000 |
| Noninterest expense | 294,000 | 597,000 | 913,000 | 1,339,000 |
| Provision for loan losses | 0 | 0 | 0 | 22,000 |
| Pretax income | 290,000 | 601,000 | 887,000 | 1,086,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 287,000 | 598,000 | 884,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,106,000 | 6,267,000 | 6,403,000 | 6,202,000 |
| Total capital | 6,571,000 | 6,767,000 | 6,909,000 | 6,718,000 |
| Risk-weighted assets | 37,126,000 | 41,101,000 | 41,955,000 | 41,287,000 |