Call reports 2008
FIRST NATIONAL BANK OF OSAKIS, THE — 2008
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,646,000 | 55,200,000 | 56,855,000 | 56,451,000 |
| Total loans | 33,926,000 | 34,935,000 | 37,340,000 | 36,525,000 |
| Allowance for loan losses | 475,000 | 475,000 | 475,000 | 500,000 |
| Securities available for sale | 16,991,000 | 16,850,000 | 15,891,000 | 16,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,341,000 | 46,304,000 | 47,614,000 | 47,717,000 |
| Interest-bearing deposits | 41,760,000 | 41,458,000 | 42,090,000 | 42,134,000 |
| Noninterest-bearing deposits | 4,581,000 | 4,846,000 | 5,524,000 | 5,583,000 |
| Equity capital | 7,021,000 | 6,930,000 | 6,963,000 | 6,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 889,000 | 1,753,000 | 2,613,000 | 3,462,000 |
| Interest expense | 363,000 | 673,000 | 980,000 | 1,278,000 |
| Net interest income | 526,000 | 1,080,000 | 1,633,000 | 2,184,000 |
| Noninterest income | 62,000 | 112,000 | 187,000 | 240,000 |
| Noninterest expense | 313,000 | 617,000 | 957,000 | 1,339,000 |
| Provision for loan losses | 1,000 | 0 | 88,000 | 119,000 |
| Pretax income | 274,000 | 575,000 | 775,000 | 966,000 |
| Income tax | 3,000 | 0 | 0 | 0 |
| Net income | 271,000 | 575,000 | 775,000 | 966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,711,000 | 6,880,000 | 6,940,000 | 6,991,000 |
| Total capital | 7,148,000 | 7,326,000 | 7,404,000 | 7,450,000 |
| Risk-weighted assets | 34,943,000 | 35,670,000 | 37,105,000 | 36,682,000 |