Call reports 2010
FIRST NATIONAL BANK OF OSAKIS, THE — 2010
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 58,603,000 | 59,323,000 | 60,623,000 | 60,752,000 |
| Total loans | 37,749,000 | 37,705,000 | 37,572,000 | 37,068,000 |
| Allowance for loan losses | 600,000 | 800,000 | 800,000 | 850,000 |
| Securities available for sale | 15,130,000 | 16,753,000 | 19,447,000 | 19,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,725,000 | 51,466,000 | 52,497,000 | 53,207,000 |
| Interest-bearing deposits | 45,228,000 | 45,657,000 | 46,671,000 | 46,877,000 |
| Noninterest-bearing deposits | 5,497,000 | 5,810,000 | 5,827,000 | 6,330,000 |
| Equity capital | 7,366,000 | 7,240,000 | 7,501,000 | 7,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,542,000 | 2,330,000 | 3,089,000 |
| Interest expense | 211,000 | 424,000 | 633,000 | 827,000 |
| Net interest income | 570,000 | 1,118,000 | 1,697,000 | 2,262,000 |
| Noninterest income | 60,000 | 91,000 | 169,000 | 199,000 |
| Noninterest expense | 327,000 | 644,000 | 1,040,000 | 1,349,000 |
| Provision for loan losses | 67,000 | 280,000 | 288,000 | 373,000 |
| Pretax income | 236,000 | 285,000 | 538,000 | 739,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 235,000 | 284,000 | 537,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,052,000 | 6,952,000 | 7,049,000 | 7,087,000 |
| Total capital | 7,587,000 | 7,478,000 | 7,512,000 | 7,549,000 |
| Risk-weighted assets | 43,149,000 | 41,824,000 | 36,736,000 | 36,575,000 |