Call reports 2007
FIRST NATIONAL BANK OF OSAKIS, THE — 2007
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 54,980,000 | 53,578,000 | 55,363,000 | 55,584,000 |
| Total loans | 37,009,000 | 36,552,000 | 35,218,000 | 35,075,000 |
| Allowance for loan losses | 525,000 | 500,000 | 475,000 | 475,000 |
| Securities available for sale | 14,393,000 | 14,555,000 | 15,713,000 | 17,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,789,000 | 45,686,000 | 47,282,000 | 47,396,000 |
| Interest-bearing deposits | 41,973,000 | 40,967,000 | 42,292,000 | 42,609,000 |
| Noninterest-bearing deposits | 4,816,000 | 4,719,000 | 4,990,000 | 4,787,000 |
| Equity capital | 6,421,000 | 6,402,000 | 6,540,000 | 6,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,847,000 | 2,714,000 | 3,638,000 |
| Interest expense | 424,000 | 855,000 | 1,280,000 | 1,698,000 |
| Net interest income | 496,000 | 992,000 | 1,434,000 | 1,940,000 |
| Noninterest income | 53,000 | 108,000 | 159,000 | 210,000 |
| Noninterest expense | 300,000 | 586,000 | 885,000 | 1,234,000 |
| Provision for loan losses | 0 | 15,000 | 25,000 | 31,000 |
| Pretax income | 249,000 | 495,000 | 679,000 | 881,000 |
| Income tax | 3,000 | 0 | 0 | 0 |
| Net income | 246,000 | 495,000 | 679,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,415,000 | 6,514,000 | 6,548,000 | 6,590,000 |
| Total capital | 6,884,000 | 6,984,000 | 7,006,000 | 7,041,000 |
| Risk-weighted assets | 37,461,000 | 37,534,000 | 36,658,000 | 36,063,000 |