Call reports 2023
FIRST NATIONAL BANK OF OSAKIS, THE — 2023
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 89,461,000 | 91,866,000 | 92,276,000 | 91,950,000 |
| Total loans | 69,666,000 | 71,971,000 | 73,336,000 | 72,254,000 |
| Allowance for loan losses | 549,000 | 636,000 | 675,000 | 711,000 |
| Securities available for sale | 13,975,000 | 13,598,000 | 12,958,000 | 13,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,189,000 | 75,247,000 | 75,917,000 | 74,709,000 |
| Interest-bearing deposits | 55,134,000 | 56,184,000 | 55,028,000 | 55,634,000 |
| Noninterest-bearing deposits | 21,055,000 | 19,063,000 | 20,889,000 | 19,075,000 |
| Equity capital | 7,969,000 | 7,673,000 | 7,542,000 | 7,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 931,000 | 1,976,000 | 3,061,000 | 4,139,000 |
| Interest expense | 199,000 | 507,000 | 849,000 | 1,231,000 |
| Net interest income | 732,000 | 1,469,000 | 2,212,000 | 2,908,000 |
| Noninterest income | 34,000 | 62,000 | 99,000 | 160,000 |
| Noninterest expense | 559,000 | 1,122,000 | 1,669,000 | 2,362,000 |
| Provision for loan losses | 33,000 | 120,000 | 160,000 | 192,000 |
| Pretax income | 144,000 | 259,000 | 452,000 | 484,000 |
| Income tax | 24,000 | 27,000 | 47,000 | 47,000 |
| Net income | 120,000 | 232,000 | 405,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,413,000 | 7,296,000 | 7,523,000 | 7,502,000 |
| Total capital | 7,962,000 | 7,932,000 | 8,198,000 | 8,213,000 |
| Risk-weighted assets | 72,392,000 | 75,016,000 | 75,443,000 | 69,472,000 |