Call reports 2016
FIRST NATIONAL BANK OF OSAKIS, THE — 2016
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 61,226,000 | 62,135,000 | 62,214,000 | 62,520,000 |
| Total loans | 40,432,000 | 40,263,000 | 41,375,000 | 40,001,000 |
| Allowance for loan losses | 575,000 | 550,000 | 550,000 | 550,000 |
| Securities available for sale | 16,494,000 | 16,788,000 | 16,894,000 | 18,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,238,000 | 52,961,000 | 52,437,000 | 52,716,000 |
| Interest-bearing deposits | 43,956,000 | 43,579,000 | 43,898,000 | 43,939,000 |
| Noninterest-bearing deposits | 8,282,000 | 9,382,000 | 8,539,000 | 8,777,000 |
| Equity capital | 8,167,000 | 8,348,000 | 8,272,000 | 7,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 671,000 | 1,336,000 | 2,022,000 | 2,683,000 |
| Interest expense | 49,000 | 101,000 | 153,000 | 205,000 |
| Net interest income | 622,000 | 1,235,000 | 1,869,000 | 2,478,000 |
| Noninterest income | 14,000 | 51,000 | 120,000 | 144,000 |
| Noninterest expense | 408,000 | 791,000 | 1,289,000 | 1,702,000 |
| Provision for loan losses | -2,000 | -2,000 | 30,000 | 30,000 |
| Pretax income | 230,000 | 497,000 | 670,000 | 890,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 229,000 | 496,000 | 669,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,930,000 | 7,997,000 | 7,970,000 | 7,990,000 |
| Total capital | 8,384,000 | 8,454,000 | 8,440,000 | 8,461,000 |
| Risk-weighted assets | 36,241,000 | 36,509,000 | 37,551,000 | 37,655,000 |