Call reports 2015
FIRST NATIONAL BANK OF OSAKIS, THE — 2015
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 61,234,000 | 61,257,000 | 61,734,000 | 62,037,000 |
| Total loans | 41,473,000 | 40,866,000 | 41,099,000 | 40,614,000 |
| Allowance for loan losses | 575,000 | 575,000 | 575,000 | 575,000 |
| Securities available for sale | 16,103,000 | 15,456,000 | 15,335,000 | 15,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,609,000 | 51,706,000 | 52,642,000 | 53,067,000 |
| Interest-bearing deposits | 43,850,000 | 43,749,000 | 44,642,000 | 44,216,000 |
| Noninterest-bearing deposits | 7,759,000 | 7,957,000 | 8,000,000 | 8,851,000 |
| Equity capital | 8,262,000 | 8,229,000 | 8,316,000 | 8,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 682,000 | 1,374,000 | 2,076,000 | 2,761,000 |
| Interest expense | 48,000 | 97,000 | 148,000 | 198,000 |
| Net interest income | 634,000 | 1,277,000 | 1,928,000 | 2,563,000 |
| Noninterest income | 44,000 | 88,000 | 150,000 | 206,000 |
| Noninterest expense | 403,000 | 817,000 | 1,238,000 | 1,868,000 |
| Provision for loan losses | -1,000 | 18,000 | 39,000 | 63,000 |
| Pretax income | 276,000 | 530,000 | 801,000 | 838,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 275,000 | 529,000 | 800,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,940,000 | 7,993,000 | 8,065,000 | 7,901,000 |
| Total capital | 8,418,000 | 8,474,000 | 8,549,000 | 8,358,000 |
| Risk-weighted assets | 38,335,000 | 38,411,000 | 38,644,000 | 36,471,000 |