Call reports 2025
FIRST NATIONAL BANK OF OSAKIS, THE — 2025
What FIRST NATIONAL BANK OF OSAKIS, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 93,776,000 | 94,706,000 | 94,842,000 | 95,122,000 |
| Total loans | 75,470,000 | 77,415,000 | 77,667,000 | 77,814,000 |
| Allowance for loan losses | 711,000 | 714,000 | 716,000 | 718,000 |
| Securities available for sale | 12,057,000 | 11,127,000 | 11,204,000 | 11,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,265,000 | 76,326,000 | 77,039,000 | 77,906,000 |
| Interest-bearing deposits | 59,259,000 | 59,055,000 | 59,996,000 | 61,218,000 |
| Noninterest-bearing deposits | 17,006,000 | 17,271,000 | 17,043,000 | 16,688,000 |
| Equity capital | 8,475,000 | 8,454,000 | 8,855,000 | 8,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,181,000 | 2,437,000 | 3,761,000 | 5,111,000 |
| Interest expense | 440,000 | 903,000 | 1,377,000 | 1,837,000 |
| Net interest income | 741,000 | 1,534,000 | 2,384,000 | 3,274,000 |
| Noninterest income | 65,000 | 136,000 | 210,000 | 277,000 |
| Noninterest expense | 585,000 | 1,240,000 | 1,868,000 | 2,475,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 221,000 | 430,000 | 725,000 | 1,075,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 221,000 | 430,000 | 725,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,967,000 | 8,003,000 | 8,192,000 | 8,305,000 |
| Total capital | 8,678,000 | 8,717,000 | 8,908,000 | 9,023,000 |
| Risk-weighted assets | 69,259,000 | 73,572,000 | 71,954,000 | 71,771,000 |
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