Call reports 2006
FIRST NATIONAL BANK OF OSAKIS, THE — 2006
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,785,000 | 55,984,000 | 54,935,000 | 55,008,000 |
| Total loans | 41,493,000 | 41,888,000 | 40,153,000 | 40,144,000 |
| Allowance for loan losses | 525,000 | 525,000 | 525,000 | 525,000 |
| Securities available for sale | 11,320,000 | 11,223,000 | 12,133,000 | 12,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,248,000 | 46,672,000 | 46,227,000 | 46,574,000 |
| Interest-bearing deposits | 41,372,000 | 41,731,000 | 40,965,000 | 40,852,000 |
| Noninterest-bearing deposits | 4,876,000 | 4,941,000 | 5,262,000 | 5,722,000 |
| Equity capital | 6,142,000 | 6,176,000 | 6,433,000 | 6,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 852,000 | 1,763,000 | 2,669,000 | 3,604,000 |
| Interest expense | 347,000 | 710,000 | 1,093,000 | 1,497,000 |
| Net interest income | 505,000 | 1,053,000 | 1,576,000 | 2,107,000 |
| Noninterest income | 57,000 | 95,000 | 136,000 | 195,000 |
| Noninterest expense | 271,000 | 582,000 | 864,000 | 1,277,000 |
| Provision for loan losses | 30,000 | 39,000 | 38,000 | 32,000 |
| Pretax income | 261,000 | 527,000 | 810,000 | 993,000 |
| Income tax | 4,000 | 1,000 | 1,000 | 1,000 |
| Net income | 257,000 | 526,000 | 809,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,209,000 | 6,328,000 | 6,436,000 | 6,469,000 |
| Total capital | 6,714,000 | 6,839,000 | 6,929,000 | 6,963,000 |
| Risk-weighted assets | 40,348,000 | 40,868,000 | 39,430,000 | 39,502,000 |